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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 | $75,118 | $49,280+52.4% | $67,313+11.6% | $64,173+17.1% |
| Participation rate | 36.8% | 60.8%-23.9pp | 69.1%-32.2pp | 69.6%-32.7pp |
| Annual return | -6.68% | -1.39%-5.3pp | -4.08%-2.6pp | 7.63%-14.3pp |
| Employer contribution / active EE | $0 | $1,668-100.0% | $2,566-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,503 | $2,484+0.8% | $3,568-29.8% | $3,470-27.9% |
| Admin fee / account holder | $2,144 | $3,863-44.5% | $4,507-52.4% | $4,887-56.1% |