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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 | $19,890 | $54,370-63.4% | $82,763-76.0% | $68,490-71.0% |
| Participation rate | 29.0% | 63.9%-34.9pp | 72.6%-43.5pp | 67.9%-38.9pp |
| Annual return | -5.91% | -13.67%+7.8pp | 702.45%-708.4pp | -7.85%+1.9pp |
| Employer contribution / active EE | $451 | $2,219-79.7% | $3,008-85.0% | $2,597-82.6% |
| Participant deferral / active EE | $675 | $3,247-79.2% | $4,395-84.6% | $4,028-83.2% |
| Admin fee / account holder | $4,746 | $4,398+7.9% | $5,325-10.9% | $5,403-12.2% |