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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 | $99,123 | $59,834+65.7% | $79,576+24.6% | $68,495+44.7% |
| Participation rate | 33.3% | 61.1%-27.7pp | 69.5%-36.2pp | 67.9%-34.6pp |
| Annual return | -9.73% | -12.30%+2.6pp | 0.15%-9.9pp | -7.84%-1.9pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,150 | $3,024-28.9% | $3,985-46.0% | $4,028-46.6% |
| Admin fee / account holder | $4,973 | $4,835+2.9% | $6,834-27.2% | $5,403-8.0% |