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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 | $164,567 | $73,009+125.4% | $90,760+81.3% | $68,486+140.3% |
| Participation rate | 59.5% | 70.8%-11.4pp | 75.7%-16.2pp | 67.9%-8.4pp |
| Annual return | -15.59% | -13.81%-1.8pp | -12.16%-3.4pp | -7.85%-7.7pp |
| Employer contribution / active EE | $715 | $2,193-67.4% | $2,922-75.5% | $2,597-72.5% |
| Participant deferral / active EE | $1,351 | $3,626-62.7% | $4,565-70.4% | $4,028-66.5% |
| Admin fee / account holder | $3,231 | $5,896-45.2% | $8,444-61.7% | $5,404-40.2% |