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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 | $68,943 | $77,817-11.4% | $123,553-44.2% | $64,173+7.4% |
| Participation rate | 55.9% | 74.7%-18.8pp | 82.3%-26.4pp | 69.6%-13.7pp |
| Annual return | -4.03% | 12.49%-16.5pp | 119.21%-123.2pp | 7.63%-11.7pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $5,390 | $5,240+2.9% | $6,426-16.1% | $3,470+55.4% |
| Admin fee / account holder | $646 | $5,519-88.3% | $9,284-93.0% | $4,887-86.8% |