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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 | $126,918 | $81,870+55.0% | $119,622+6.1% | $68,486+85.3% |
| Participation rate | 42.4% | 71.9%-29.5pp | 79.3%-36.8pp | 67.9%-25.5pp |
| Annual return | -17.89% | -23.82%+5.9pp | -14.98%-2.9pp | -7.85%-10.0pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,963 | $4,148-28.6% | $5,601-47.1% | $4,028-26.4% |
| Admin fee / account holder | $1,224 | $6,583-81.4% | $10,328-88.2% | $5,404-77.4% |