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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 | $80,853 | $77,816+3.9% | $123,552-34.6% | $64,173+26.0% |
| Participation rate | 64.1% | 74.7%-10.6pp | 82.3%-18.2pp | 69.6%-5.5pp |
| Annual return | -7.60% | 12.49%-20.1pp | 119.20%-126.8pp | 7.63%-15.2pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $5,002 | $5,240-4.5% | $6,426-22.2% | $3,470+44.2% |
| Admin fee / account holder | $1,559 | $5,519-71.8% | $9,285-83.2% | $4,887-68.1% |