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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 | $59,349 | $57,352+3.5% | $83,831-29.2% | $64,173-7.5% |
| Participation rate | 25.3% | 68.6%-43.3pp | 76.1%-50.8pp | 69.6%-44.3pp |
| Annual return | -8.39% | 11.38%-19.8pp | 850.99%-859.4pp | 7.63%-16.0pp |
| Employer contribution / active EE | $664 | $2,546-73.9% | $3,631-81.7% | $2,381-72.1% |
| Participant deferral / active EE | $667 | $2,993-77.7% | $4,082-83.7% | $3,470-80.8% |
| Admin fee / account holder | $5,688 | $4,046+40.6% | $5,479+3.8% | $4,887+16.4% |