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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 | $46,398 | $64,719-28.3% | $112,249-58.7% | $68,486-32.3% |
| Participation rate | 44.0% | 67.2%-23.2pp | 75.1%-31.1pp | 67.9%-23.9pp |
| Annual return | -15.77% | -11.40%-4.4pp | 27.48%-43.3pp | -7.85%-7.9pp |
| Employer contribution / active EE | -$22 | $2,747-100.8% | $3,636-100.6% | $2,597-100.8% |
| Participant deferral / active EE | $1,655 | $3,565-53.6% | $4,729-65.0% | $4,028-58.9% |
| Admin fee / account holder | $742 | $5,232-85.8% | $6,412-88.4% | $5,404-86.3% |