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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 | $38,959 | $73,863-47.3% | $143,797-72.9% | $68,490-43.1% |
| Participation rate | 31.6% | 66.7%-35.0pp | 80.3%-48.7pp | 67.9%-36.3pp |
| Annual return | -14.58% | 0.91%-15.5pp | -0.04%-14.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,282 | $3,385-62.1% | $5,638-77.3% | $4,028-68.2% |
| Admin fee / account holder | $1,390 | $5,756-75.9% | $14,679-90.5% | $5,403-74.3% |