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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 | $89,781 | $110,083-18.4% | $151,628-40.8% | $68,495+31.1% |
| Participation rate | 60.5% | 84.0%-23.5pp | 87.5%-27.0pp | 67.9%-7.4pp |
| Annual return | -7.59% | -10.12%+2.5pp | 3.34%-10.9pp | -7.84%+0.2pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $9,830 | $6,526+50.6% | $8,363+17.5% | $4,028+144.1% |
| Admin fee / account holder | $5,390 | $7,718-30.2% | $11,613-53.6% | $5,403-0.2% |