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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 | $71,094 | $53,596+32.6% | $90,657-21.6% | $64,173+10.8% |
| Participation rate | 50.7% | 64.5%-13.8pp | 74.0%-23.3pp | 69.6%-18.9pp |
| Annual return | -2.13% | 4.41%-6.5pp | 1.89%-4.0pp | 7.63%-9.8pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,532-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,880 | $2,459-23.5% | $3,424-45.1% | $3,470-45.8% |
| Admin fee / account holder | $2,612 | $3,868-32.5% | $4,994-47.7% | $4,887-46.6% |