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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 | $83,916 | $67,411+24.5% | $91,004-7.8% | $70,126+19.7% |
| Participation rate | 61.5% | 71.4%-9.8pp | 75.6%-14.1pp | 69.5%-8.0pp |
| Annual return | 12.93% | -40.16%+53.1pp | 4.60%+8.3pp | 73.15%-60.2pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,220 | $2,823+14.1% | $3,548-9.2% | $3,332-3.4% |
| Admin fee / account holder | $34,106 | $4,236+705.1% | $5,417+529.6% | $4,645+634.2% |