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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 | $126,195 | $71,873+75.6% | $86,698+45.6% | $68,490+84.3% |
| Participation rate | 64.7% | 72.2%-7.5pp | 76.6%-11.9pp | 67.9%-3.2pp |
| Annual return | -18.59% | 3.54%-22.1pp | 35.96%-54.5pp | -7.85%-10.7pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $9,459 | $3,779+150.3% | $4,656+103.1% | $4,028+134.8% |
| Admin fee / account holder | $4,084 | $6,110-33.2% | $7,492-45.5% | $5,403-24.4% |