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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 | $43,386 | $43,344+0.1% | $59,899-27.6% | $64,173-32.4% |
| Participation rate | 42.4% | 69.2%-26.8pp | 74.7%-32.3pp | 69.6%-27.2pp |
| Annual return | -6.58% | -1.55%-5.0pp | 3.46%-10.0pp | 7.63%-14.2pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,806 | $2,547+10.2% | $3,402-17.5% | $3,470-19.1% |
| Admin fee / account holder | $1,367 | $3,008-54.6% | $3,592-61.9% | $4,887-72.0% |