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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 | $48,389 | $59,813-19.1% | $79,580-39.2% | $68,486-29.3% |
| Participation rate | 60.7% | 61.1%-0.4pp | 69.5%-8.8pp | 67.9%-7.2pp |
| Annual return | -17.24% | -12.30%-4.9pp | 0.15%-17.4pp | -7.85%-9.4pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $8,186 | $3,024+170.7% | $3,985+105.4% | $4,028+103.2% |
| Admin fee / account holder | $527 | $4,835-89.1% | $6,835-92.3% | $5,404-90.2% |