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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 | $94,689 | $45,872+106.4% | $77,081+22.8% | $68,495+38.2% |
| Participation rate | 28.1% | 55.9%-27.8pp | 67.9%-39.8pp | 67.9%-39.8pp |
| Annual return | -14.55% | 1.73%-16.3pp | 42.33%-56.9pp | -7.84%-6.7pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,813-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,575 | $2,963+20.7% | $4,428-19.3% | $4,028-11.2% |
| Admin fee / account holder | $3,918 | $3,041+28.8% | $5,427-27.8% | $5,403-27.5% |