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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 | $31,565 | $107,809-70.7% | $90,657-65.2% | $135,380-76.7% |
| Participation rate | 64.7% | 78.0%-13.3pp | 74.0%-9.3pp | 82.6%-17.9pp |
| Annual return | 3.49% | -0.90%+4.4pp | 1.89%+1.6pp | 519.81%-516.3pp |
| Employer contribution / active EE | $0 | $3,018-100.0% | $2,532-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $975 | $3,872-74.8% | $3,424-71.5% | $5,609-82.6% |
| Admin fee / account holder | $2,590 | $5,931-56.3% | $4,994-48.1% | $10,828-76.1% |