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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 | $43,965 | $62,586-29.8% | $76,766-42.7% | $64,181-31.5% |
| Participation rate | 53.7% | 72.8%-19.2pp | 77.0%-23.3pp | 69.6%-15.9pp |
| Annual return | -5.18% | -1.95%-3.2pp | 2.43%-7.6pp | 7.63%-12.8pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,230 | $3,145-29.1% | $3,851-42.1% | $3,470-35.7% |
| Admin fee / account holder | $2,831 | $4,667-39.3% | $6,675-57.6% | $4,887-42.1% |