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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 | $13,185 | $73,863-82.1% | $143,797-90.8% | $68,490-80.7% |
| Participation rate | 47.5% | 66.7%-19.2pp | 80.3%-32.8pp | 67.9%-20.4pp |
| Annual return | -5.43% | 0.91%-6.3pp | -0.04%-5.4pp | -7.85%+2.4pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $447 | $3,385-86.8% | $5,638-92.1% | $4,028-88.9% |
| Admin fee / account holder | $1,848 | $5,756-67.9% | $14,679-87.4% | $5,403-65.8% |