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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 | $39,228 | $64,716-39.4% | $112,258-65.1% | $68,495-42.7% |
| Participation rate | 66.2% | 67.2%-1.0pp | 75.1%-8.9pp | 67.9%-1.7pp |
| Annual return | -13.11% | -11.40%-1.7pp | 27.47%-40.6pp | -7.84%-5.3pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,014 | $3,565+12.6% | $4,728-15.1% | $4,028-0.3% |
| Admin fee / account holder | $6,667 | $5,232+27.4% | $6,411+4.0% | $5,403+23.4% |