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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 | $79,790 | $67,411+18.4% | $91,004-12.3% | $70,124+13.8% |
| Participation rate | 45.2% | 71.4%-26.2pp | 75.6%-30.4pp | 69.5%-24.4pp |
| Annual return | 15.26% | -40.16%+55.4pp | 4.60%+10.7pp | 73.14%-57.9pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,127 | $2,823-24.7% | $3,548-40.1% | $3,332-36.2% |
| Admin fee / account holder | $1,651 | $4,236-61.0% | $5,417-69.5% | $4,645-64.5% |