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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 | $74,239 | $73,009+1.7% | $90,760-18.2% | $68,486+8.4% |
| Participation rate | 53.6% | 70.8%-17.3pp | 75.7%-22.1pp | 67.9%-14.3pp |
| Annual return | -18.33% | -13.81%-4.5pp | -12.16%-6.2pp | -7.85%-10.5pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $929 | $3,626-74.4% | $4,565-79.7% | $4,028-76.9% |
| Admin fee / account holder | $4,957 | $5,896-15.9% | $8,444-41.3% | $5,404-8.3% |