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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 | $39,377 | $59,819-34.2% | $79,583-50.5% | $68,490-42.5% |
| Participation rate | 45.3% | 61.1%-15.7pp | 69.5%-24.2pp | 67.9%-22.6pp |
| Annual return | -11.85% | -12.30%+0.4pp | 0.16%-12.0pp | -7.85%-4.0pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,394 | $3,025-20.9% | $3,986-39.9% | $4,028-40.6% |
| Admin fee / account holder | $969 | $4,835-80.0% | $6,835-85.8% | $5,403-82.1% |