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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 | $35,065 | $110,083-68.1% | $151,628-76.9% | $68,495-48.8% |
| Participation rate | 60.0% | 84.0%-24.0pp | 87.5%-27.5pp | 67.9%-7.9pp |
| Annual return | -17.37% | -10.12%-7.2pp | 3.34%-20.7pp | -7.84%-9.5pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,294 | $6,526-18.9% | $8,363-36.7% | $4,028+31.5% |
| Admin fee / account holder | $2,718 | $7,718-64.8% | $11,613-76.6% | $5,403-49.7% |