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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 | $21,749 | $42,383-48.7% | $76,518-71.6% | $64,173-66.1% |
| Participation rate | 47.6% | 58.1%-10.5pp | 68.0%-20.4pp | 69.6%-22.0pp |
| Annual return | -7.35% | -16.54%+9.2pp | -0.27%-7.1pp | 7.63%-15.0pp |
| Employer contribution / active EE | $556 | $1,563-64.5% | $2,647-79.0% | $2,381-76.7% |
| Participant deferral / active EE | $465 | $2,566-81.9% | $3,836-87.9% | $3,470-86.6% |
| Admin fee / account holder | $3,718 | $3,198+16.3% | $4,849-23.3% | $4,887-23.9% |