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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 | $92,314 | $46,697+97.7% | $117,533-21.5% | $68,486+34.8% |
| Participation rate | 41.8% | 56.8%-15.0pp | 70.6%-28.8pp | 67.9%-26.1pp |
| Annual return | -12.01% | -14.52%+2.5pp | 29.77%-41.8pp | -7.85%-4.2pp |
| Employer contribution / active EE | $0 | $1,506-100.0% | $4,179-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,488 | $2,637+32.2% | $4,072-14.4% | $4,028-13.4% |
| Admin fee / account holder | $19,658 | $4,023+388.7% | $5,647+248.1% | $5,404+263.8% |