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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 | $48,699 | $53,162-8.4% | $91,227-46.6% | $68,490-28.9% |
| Participation rate | 35.3% | 63.2%-27.9pp | 73.2%-37.9pp | 67.9%-32.6pp |
| Annual return | -18.12% | -3.14%-15.0pp | 114.14%-132.3pp | -7.85%-10.3pp |
| Employer contribution / active EE | $723 | $1,709-57.7% | $2,851-74.6% | $2,597-72.2% |
| Participant deferral / active EE | $975 | $2,974-67.2% | $4,234-77.0% | $4,028-75.8% |
| Admin fee / account holder | $2,106 | $4,493-53.1% | $5,423-61.2% | $5,403-61.0% |