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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 | $63,175 | $53,162+18.8% | $91,225-30.7% | $68,486-7.8% |
| Participation rate | 34.2% | 63.2%-29.0pp | 73.2%-39.0pp | 67.9%-33.7pp |
| Annual return | -13.76% | -3.14%-10.6pp | 114.12%-127.9pp | -7.85%-5.9pp |
| Employer contribution / active EE | $0 | $1,709-100.0% | $2,851-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,591 | $2,974-46.5% | $4,233-62.4% | $4,028-60.5% |
| Admin fee / account holder | $703 | $4,493-84.3% | $5,422-87.0% | $5,404-87.0% |