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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 | $77,146 | $59,834+28.9% | $79,576-3.1% | $68,495+12.6% |
| Participation rate | 62.2% | 61.1%+1.1pp | 69.5%-7.3pp | 67.9%-5.7pp |
| Annual return | -2.83% | -12.30%+9.5pp | 0.15%-3.0pp | -7.84%+5.0pp |
| Employer contribution / active EE | $450 | $1,505-70.1% | $2,413-81.4% | $2,596-82.7% |
| Participant deferral / active EE | $1,176 | $3,024-61.1% | $3,985-70.5% | $4,028-70.8% |
| Admin fee / account holder | $2,154 | $4,835-55.4% | $6,834-68.5% | $5,403-60.1% |