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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 | $51,070 | $81,870-37.6% | $119,622-57.3% | $68,486-25.4% |
| Participation rate | 68.8% | 71.9%-3.1pp | 79.3%-10.5pp | 67.9%+0.9pp |
| Annual return | -18.26% | -23.82%+5.6pp | -14.98%-3.3pp | -7.85%-10.4pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $8,533 | $4,148+105.7% | $5,601+52.4% | $4,028+111.9% |
| Admin fee / account holder | $621 | $6,583-90.6% | $10,328-94.0% | $5,404-88.5% |