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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 | $45,766 | $54,320-15.7% | $67,652-32.4% | $52,331-12.5% |
| Participation rate | 27.5% | 73.6%-46.1pp | 75.7%-48.1pp | 68.1%-40.6pp |
| Annual return | -1.15% | 6.81%-8.0pp | 6625.40%-6626.6pp | 4.54%-5.7pp |
| Employer contribution / active EE | $435 | $1,544-71.8% | $2,266-80.8% | $1,882-76.9% |
| Participant deferral / active EE | $1,154 | $2,950-60.9% | $3,560-67.6% | $3,022-61.8% |
| Admin fee / account holder | $6,953 | $527+1220.3% | $4,821+44.2% | $592+1075.2% |