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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 | $120,430 | $71,878+67.5% | $86,698+38.9% | $68,486+75.8% |
| Participation rate | 24.3% | 72.2%-47.9pp | 76.6%-52.3pp | 67.9%-43.6pp |
| Annual return | -15.74% | 3.53%-19.3pp | 35.95%-51.7pp | -7.85%-7.9pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,805 | $3,779-25.8% | $4,656-39.8% | $4,028-30.4% |
| Admin fee / account holder | $12,246 | $6,113+100.3% | $7,493+63.4% | $5,404+126.6% |