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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 | $37,679 | $70,002-46.2% | $115,037-67.2% | $52,331-28.0% |
| Participation rate | 44.7% | 72.1%-27.4pp | 81.4%-36.7pp | 68.1%-23.4pp |
| Annual return | -1.25% | 4.04%-5.3pp | 26.14%-27.4pp | 4.54%-5.8pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $3,033 | $4,920-38.4% | $6,026-49.7% | $3,022+0.3% |
| Admin fee / account holder | $1,388 | $566+145.1% | $8,175-83.0% | $592+134.5% |