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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 | $68,202 | $42,383+60.9% | $76,518-10.9% | $64,173+6.3% |
| Participation rate | 49.0% | 58.1%-9.1pp | 68.0%-19.0pp | 69.6%-20.5pp |
| Annual return | -5.07% | -16.54%+11.5pp | -0.27%-4.8pp | 7.63%-12.7pp |
| Employer contribution / active EE | $10 | $1,563-99.4% | $2,647-99.6% | $2,381-99.6% |
| Participant deferral / active EE | $4,919 | $2,566+91.7% | $3,836+28.3% | $3,470+41.8% |
| Admin fee / account holder | $12,414 | $3,198+288.2% | $4,849+156.0% | $4,887+154.0% |