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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 | $56,092 | $52,911+6.0% | $73,309-23.5% | $59,633-5.9% |
| Participation rate | 30.9% | 68.2%-37.3pp | 74.9%-44.0pp | 68.7%-37.8pp |
| Annual return | -2.12% | 12.20%-14.3pp | 5.67%-7.8pp | 2041.40%-2043.5pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,709 | $4,069-33.4% | $4,991-45.7% | $3,192-15.1% |
| Admin fee / account holder | $2,445 | $3,835-36.3% | $5,635-56.6% | $4,297-43.1% |