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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 | $25,836 | $33,067-21.9% | $76,518-66.2% | $56,287-54.1% |
| Participation rate | 26.4% | 55.4%-29.0pp | 68.0%-41.6pp | 69.9%-43.4pp |
| Annual return | -4.00% | 2.72%-6.7pp | -0.27%-3.7pp | -9.96%+6.0pp |
| Employer contribution / active EE | $0 | $1,200-100.0% | $2,647-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,758 | $2,240+67.8% | $3,836-2.0% | $3,350+12.2% |
| Admin fee / account holder | $3,563 | $537+563.7% | $4,849-26.5% | $521+584.0% |