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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 | $82,660 | $81,870+1.0% | $119,622-30.9% | $68,486+20.7% |
| Participation rate | 45.9% | 71.9%-25.9pp | 79.3%-33.3pp | 67.9%-21.9pp |
| Annual return | -16.19% | -23.82%+7.6pp | -14.98%-1.2pp | -7.85%-8.3pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,018 | $4,148-51.4% | $5,601-64.0% | $4,028-49.9% |
| Admin fee / account holder | $14,035 | $6,583+113.2% | $10,328+35.9% | $5,404+159.7% |