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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 | $20,079 | $50,947-60.6% | $74,551-73.1% | $64,173-68.7% |
| Participation rate | 40.3% | 61.1%-20.7pp | 69.1%-28.8pp | 69.6%-29.2pp |
| Annual return | -6.25% | -1.85%-4.4pp | 32.53%-38.8pp | 7.63%-13.9pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,700 | $2,302-26.1% | $3,108-45.3% | $3,470-51.0% |
| Admin fee / account holder | $1,630 | $4,221-61.4% | $5,059-67.8% | $4,887-66.7% |