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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 | $118,221 | $49,280+139.9% | $67,313+75.6% | $64,181+84.2% |
| Participation rate | 18.8% | 60.8%-42.0pp | 69.1%-50.3pp | 69.6%-50.8pp |
| Annual return | -1.15% | -1.39%+0.2pp | -4.08%+2.9pp | 7.63%-8.8pp |
| Employer contribution / active EE | $0 | $1,668-100.0% | $2,566-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,126 | $2,484-54.7% | $3,568-68.4% | $3,470-67.5% |
| Admin fee / account holder | $3,035 | $3,863-21.4% | $4,507-32.6% | $4,887-37.9% |