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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 | $172,263 | $64,719+166.2% | $112,249+53.5% | $68,486+151.5% |
| Participation rate | 28.1% | 67.2%-39.1pp | 75.1%-47.0pp | 67.9%-39.8pp |
| Annual return | -17.82% | -11.40%-6.4pp | 27.48%-45.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $726 | $2,747-73.6% | $3,636-80.0% | $2,597-72.1% |
| Participant deferral / active EE | $1,227 | $3,565-65.6% | $4,729-74.0% | $4,028-69.5% |
| Admin fee / account holder | $675 | $5,232-87.1% | $6,412-89.5% | $5,404-87.5% |