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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 | $93,046 | $50,947+82.6% | $74,549+24.8% | $64,173+45.0% |
| Participation rate | 44.4% | 61.1%-16.6pp | 69.1%-24.7pp | 69.6%-25.1pp |
| Annual return | -7.02% | -1.85%-5.2pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $634 | $1,115-43.2% | $1,961-67.7% | $2,381-73.4% |
| Participant deferral / active EE | $948 | $2,302-58.8% | $3,108-69.5% | $3,470-72.7% |
| Admin fee / account holder | $1,559 | $4,221-63.1% | $5,059-69.2% | $4,887-68.1% |