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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 | $72,291 | $50,947+41.9% | $74,551-3.0% | $64,173+12.7% |
| Participation rate | 26.5% | 61.1%-34.5pp | 69.1%-42.6pp | 69.6%-43.0pp |
| Annual return | -2.89% | -1.85%-1.0pp | 32.53%-35.4pp | 7.63%-10.5pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,168 | $2,302-5.8% | $3,108-30.3% | $3,470-37.5% |
| Admin fee / account holder | $1,297 | $4,221-69.3% | $5,059-74.4% | $4,887-73.5% |