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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 | $46,858 | $50,947-8.0% | $74,551-37.1% | $64,173-27.0% |
| Participation rate | 61.9% | 61.1%+0.8pp | 69.1%-7.2pp | 69.6%-7.7pp |
| Annual return | -3.92% | -1.85%-2.1pp | 32.53%-36.5pp | 7.63%-11.6pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,485 | $2,302-35.5% | $3,108-52.2% | $3,470-57.2% |
| Admin fee / account holder | $707 | $4,221-83.2% | $5,059-86.0% | $4,887-85.5% |