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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 | $66,408 | $67,411-1.5% | $91,004-27.0% | $70,126-5.3% |
| Participation rate | 45.0% | 71.4%-26.4pp | 75.6%-30.6pp | 69.5%-24.5pp |
| Annual return | 14.64% | -40.16%+54.8pp | 4.60%+10.0pp | 73.15%-58.5pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,340 | $2,823+18.3% | $3,548-5.9% | $3,332+0.2% |
| Admin fee / account holder | $11,273 | $4,236+166.1% | $5,417+108.1% | $4,645+142.7% |