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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 | $23,389 | $45,566-48.7% | $64,105-63.5% | $59,633-60.8% |
| Participation rate | 15.6% | 60.2%-44.6pp | 68.2%-52.6pp | 68.7%-53.1pp |
| Annual return | -1.83% | 4.95%-6.8pp | 791.24%-793.1pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $453 | $934-51.5% | $1,820-75.1% | $2,203-79.4% |
| Participant deferral / active EE | $621 | $2,057-69.8% | $2,822-78.0% | $3,192-80.5% |
| Admin fee / account holder | $448 | $3,268-86.3% | $4,499-90.0% | $4,297-89.6% |