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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 | $22,199 | $59,834-62.9% | $79,576-72.1% | $68,495-67.6% |
| Participation rate | 44.4% | 61.1%-16.6pp | 69.5%-25.0pp | 67.9%-23.4pp |
| Annual return | -12.16% | -12.30%+0.1pp | 0.15%-12.3pp | -7.84%-4.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,223 | $3,024-26.5% | $3,985-44.2% | $4,028-44.8% |
| Admin fee / account holder | $343 | $4,835-92.9% | $6,834-95.0% | $5,403-93.7% |