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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 | $22,302 | $59,813-62.7% | $79,580-72.0% | $68,486-67.4% |
| Participation rate | 45.2% | 61.1%-15.9pp | 69.5%-24.3pp | 67.9%-22.7pp |
| Annual return | -16.99% | -12.30%-4.7pp | 0.15%-17.1pp | -7.85%-9.1pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,841 | $3,024+27.0% | $3,985-3.6% | $4,028-4.6% |
| Admin fee / account holder | $998 | $4,835-79.4% | $6,835-85.4% | $5,404-81.5% |