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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 | $27,472 | $50,958-46.1% | $74,552-63.2% | $64,181-57.2% |
| Participation rate | 34.9% | 61.1%-26.1pp | 69.1%-34.2pp | 69.6%-34.6pp |
| Annual return | -7.98% | -1.86%-6.1pp | 32.53%-40.5pp | 7.63%-15.6pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,904 | $2,301-17.3% | $3,108-38.8% | $3,470-45.1% |
| Admin fee / account holder | $1,188 | $4,223-71.9% | $5,060-76.5% | $4,887-75.7% |