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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 | $52,480 | $77,816-32.6% | $123,549-57.5% | $64,181-18.2% |
| Participation rate | 38.1% | 74.7%-36.6pp | 82.3%-44.2pp | 69.6%-31.5pp |
| Annual return | -3.07% | 12.49%-15.6pp | 119.20%-122.3pp | 7.63%-10.7pp |
| Employer contribution / active EE | $1,091 | $3,014-63.8% | $4,628-76.4% | $2,381-54.2% |
| Participant deferral / active EE | $1,770 | $5,240-66.2% | $6,426-72.5% | $3,470-49.0% |
| Admin fee / account holder | $8,329 | $5,519+50.9% | $9,284-10.3% | $4,887+70.4% |