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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 | $36,306 | $64,716-43.9% | $112,258-67.7% | $68,495-47.0% |
| Participation rate | 50.6% | 67.2%-16.6pp | 75.1%-24.5pp | 67.9%-17.3pp |
| Annual return | -18.51% | -11.40%-7.1pp | 27.47%-46.0pp | -7.84%-10.7pp |
| Employer contribution / active EE | $1,584 | $2,746-42.3% | $3,636-56.4% | $2,596-39.0% |
| Participant deferral / active EE | $1,472 | $3,565-58.7% | $4,728-68.9% | $4,028-63.5% |
| Admin fee / account holder | $4,725 | $5,232-9.7% | $6,411-26.3% | $5,403-12.6% |