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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 | $39,609 | $53,546-26.0% | $69,890-43.3% | $68,490-42.2% |
| Participation rate | 67.7% | 64.5%+3.2pp | 70.5%-2.7pp | 67.9%-0.2pp |
| Annual return | -12.96% | -13.87%+0.9pp | 190.84%-203.8pp | -7.85%-5.1pp |
| Employer contribution / active EE | $0 | $2,019-100.0% | $2,560-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,071 | $2,957+3.9% | $3,848-20.2% | $4,028-23.7% |
| Admin fee / account holder | $5,846 | $4,693+24.6% | $6,267-6.7% | $5,403+8.2% |