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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 | $46,013 | $64,719-28.9% | $112,249-59.0% | $68,486-32.8% |
| Participation rate | 63.9% | 67.2%-3.3pp | 75.1%-11.2pp | 67.9%-4.0pp |
| Annual return | -15.17% | -11.40%-3.8pp | 27.48%-42.7pp | -7.85%-7.3pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,506 | $3,565-1.6% | $4,729-25.9% | $4,028-12.9% |
| Admin fee / account holder | $418 | $5,232-92.0% | $6,412-93.5% | $5,404-92.3% |