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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $63,159 | $32,117+96.7% | $71,089-11.2% | $64,173-1.6% |
| Participation rate | 31.0% | 42.7%-11.7pp | 54.6%-23.7pp | 69.6%-38.6pp |
| Annual return | -4.09% | -5.57%+1.5pp | 650.65%-654.7pp | 7.63%-11.7pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,125 | $1,263-10.9% | $1,873-39.9% | $3,470-67.6% |
| Admin fee / account holder | $612 | $2,759-77.8% | $3,082-80.1% | $4,887-87.5% |