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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 | $71,006 | $61,660+15.2% | $80,022-11.3% | $64,173+10.6% |
| Participation rate | 33.3% | 71.7%-38.4pp | 75.8%-42.5pp | 69.6%-36.2pp |
| Annual return | -3.79% | -0.33%-3.5pp | 11.22%-15.0pp | 7.63%-11.4pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,478 | $2,968-50.2% | $3,686-59.9% | $3,470-57.4% |
| Admin fee / account holder | $5,994 | $5,417+10.6% | $6,521-8.1% | $4,887+22.6% |