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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 | $114,901 | $50,947+125.5% | $74,551+54.1% | $64,173+79.0% |
| Participation rate | 56.1% | 61.1%-4.9pp | 69.1%-13.0pp | 69.6%-13.4pp |
| Annual return | -7.08% | -1.85%-5.2pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,362 | $2,302+2.6% | $3,108-24.0% | $3,470-31.9% |
| Admin fee / account holder | $490 | $4,221-88.4% | $5,059-90.3% | $4,887-90.0% |