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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 | $18,021 | $43,504-58.6% | $68,793-73.8% | $56,287-68.0% |
| Participation rate | 47.5% | 67.8%-20.3pp | 72.2%-24.7pp | 69.9%-22.3pp |
| Annual return | -4.94% | -3.15%-1.8pp | -4.63%-0.3pp | -9.96%+5.0pp |
| Employer contribution / active EE | $538 | $1,525-64.7% | $2,625-79.5% | $2,111-74.5% |
| Participant deferral / active EE | $1,138 | $2,509-54.6% | $3,311-65.6% | $3,350-66.0% |
| Admin fee / account holder | $778 | $515+51.0% | $5,131-84.8% | $521+49.3% |