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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 | $30,952 | $43,344-28.6% | $59,899-48.3% | $64,173-51.8% |
| Participation rate | 34.5% | 69.2%-34.7pp | 74.7%-40.2pp | 69.6%-35.1pp |
| Annual return | -4.42% | -1.55%-2.9pp | 3.46%-7.9pp | 7.63%-12.1pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,622 | $2,547-36.3% | $3,402-52.3% | $3,470-53.3% |
| Admin fee / account holder | $12,387 | $3,008+311.8% | $3,592+244.8% | $4,887+153.4% |