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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 | $71,903 | $62,583+14.9% | $76,767-6.3% | $64,173+12.0% |
| Participation rate | 52.5% | 72.8%-20.3pp | 77.0%-24.4pp | 69.6%-17.0pp |
| Annual return | -6.25% | -1.95%-4.3pp | 2.43%-8.7pp | 7.63%-13.9pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,935 | $3,145-38.5% | $3,852-49.8% | $3,470-44.2% |
| Admin fee / account holder | $1,578 | $4,667-66.2% | $6,675-76.4% | $4,887-67.7% |