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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 | $46,092 | $59,834-23.0% | $79,576-42.1% | $68,495-32.7% |
| Participation rate | 46.3% | 61.1%-14.8pp | 69.5%-23.2pp | 67.9%-21.6pp |
| Annual return | -18.72% | -12.30%-6.4pp | 0.15%-18.9pp | -7.84%-10.9pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,394 | $3,024-53.9% | $3,985-65.0% | $4,028-65.4% |
| Admin fee / account holder | $422 | $4,835-91.3% | $6,834-93.8% | $5,403-92.2% |