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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 | $46,894 | $56,339-16.8% | $104,301-55.0% | $68,486-31.5% |
| Participation rate | 20.0% | 63.3%-43.3pp | 73.3%-53.3pp | 67.9%-47.9pp |
| Annual return | -17.53% | -9.19%-8.3pp | 24.61%-42.1pp | -7.85%-9.7pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $3,373-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,482 | $3,077-19.3% | $4,626-46.3% | $4,028-38.4% |
| Admin fee / account holder | $308 | $4,902-93.7% | $7,340-95.8% | $5,404-94.3% |