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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,933 | $61,214+19.1% | $83,322-12.5% | $56,287+29.6% |
| Participation rate | 27.5% | 72.6%-45.1pp | 77.8%-50.2pp | 69.9%-42.3pp |
| Annual return | -6.07% | 0.42%-6.5pp | 10.64%-16.7pp | -9.96%+3.9pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,023 | $5,091-60.3% | $5,565-63.6% | $3,350-39.6% |
| Admin fee / account holder | $2,679 | $512+423.6% | $7,540-64.5% | $521+414.2% |