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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 | $57,530 | $73,839-22.1% | $143,788-60.0% | $68,495-16.0% |
| Participation rate | 64.3% | 66.7%-2.4pp | 80.3%-16.0pp | 67.9%-3.6pp |
| Annual return | -14.92% | 1.01%-15.9pp | -0.03%-14.9pp | -7.84%-7.1pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $8,406 | $3,384+148.4% | $5,638+49.1% | $4,028+108.7% |
| Admin fee / account holder | $4,610 | $5,755-19.9% | $14,675-68.6% | $5,403-14.7% |