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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 | $37,275 | $42,548-12.4% | $74,552-50.0% | $56,287-33.8% |
| Participation rate | 26.6% | 60.5%-33.9pp | 69.1%-42.5pp | 69.9%-43.2pp |
| Annual return | -7.28% | 12.40%-19.7pp | 32.53%-39.8pp | -9.96%+2.7pp |
| Employer contribution / active EE | $410 | $855-52.1% | $1,961-79.1% | $2,111-80.6% |
| Participant deferral / active EE | $598 | $2,277-73.8% | $3,108-80.8% | $3,350-82.2% |
| Admin fee / account holder | $1,697 | $467+263.3% | $5,060-66.5% | $521+225.8% |