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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 | $56,192 | $50,947+10.3% | $74,551-24.6% | $64,173-12.4% |
| Participation rate | 58.1% | 61.1%-2.9pp | 69.1%-11.0pp | 69.6%-11.4pp |
| Annual return | -5.74% | -1.85%-3.9pp | 32.53%-38.3pp | 7.63%-13.4pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,684 | $2,302-26.9% | $3,108-45.8% | $3,470-51.5% |
| Admin fee / account holder | $1,232 | $4,221-70.8% | $5,059-75.6% | $4,887-74.8% |