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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 | $36,459 | $77,816-53.1% | $123,552-70.5% | $64,173-43.2% |
| Participation rate | 32.1% | 74.7%-42.6pp | 82.3%-50.2pp | 69.6%-37.4pp |
| Annual return | -8.04% | 12.49%-20.5pp | 119.20%-127.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $1,414 | $3,014-53.1% | $4,628-69.4% | $2,381-40.6% |
| Participant deferral / active EE | $1,568 | $5,240-70.1% | $6,426-75.6% | $3,470-54.8% |
| Admin fee / account holder | $1,638 | $5,519-70.3% | $9,285-82.4% | $4,887-66.5% |