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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 | $20,388 | $45,872-55.6% | $77,081-73.6% | $68,495-70.2% |
| Participation rate | 40.0% | 55.9%-15.9pp | 67.9%-27.9pp | 67.9%-27.9pp |
| Annual return | -18.94% | 1.73%-20.7pp | 42.33%-61.3pp | -7.84%-11.1pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,813-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,802 | $2,963+28.3% | $4,428-14.1% | $4,028-5.6% |
| Admin fee / account holder | $1,340 | $3,041-55.9% | $5,427-75.3% | $5,403-75.2% |