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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 | $69,371 | $62,583+10.8% | $76,767-9.6% | $64,173+8.1% |
| Participation rate | 51.5% | 72.8%-21.3pp | 77.0%-25.4pp | 69.6%-18.1pp |
| Annual return | -3.51% | -1.95%-1.6pp | 2.43%-5.9pp | 7.63%-11.1pp |
| Employer contribution / active EE | $113 | $1,832-93.9% | $2,485-95.5% | $2,381-95.3% |
| Participant deferral / active EE | $2,265 | $3,145-28.0% | $3,852-41.2% | $3,470-34.7% |
| Admin fee / account holder | $15,795 | $4,667+238.4% | $6,675+136.6% | $4,887+223.2% |