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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 | $49,663 | $57,352-13.4% | $83,830-40.8% | $64,173-22.6% |
| Participation rate | 58.4% | 68.6%-10.2pp | 76.1%-17.7pp | 69.6%-11.1pp |
| Annual return | -3.05% | 11.38%-14.4pp | 850.97%-854.0pp | 7.63%-10.7pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,513 | $2,993+17.4% | $4,082-13.9% | $3,470+1.3% |
| Admin fee / account holder | $5,832 | $4,046+44.1% | $5,479+6.4% | $4,887+19.3% |