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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 | $47,593 | $72,404-34.3% | $110,243-56.8% | $64,173-25.8% |
| Participation rate | 41.9% | 73.3%-31.4pp | 79.8%-37.9pp | 69.6%-27.6pp |
| Annual return | -2.54% | -6.29%+3.7pp | 314.76%-317.3pp | 7.63%-10.2pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,951 | $3,469-43.8% | $4,672-58.2% | $3,470-43.8% |
| Admin fee / account holder | $10,396 | $5,664+83.5% | $8,548+21.6% | $4,887+112.7% |