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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 | $68,208 | $62,589+9.0% | $76,768-11.2% | $64,173+6.3% |
| Participation rate | 28.9% | 72.8%-43.9pp | 77.0%-48.0pp | 69.6%-40.6pp |
| Annual return | -0.97% | -1.95%+1.0pp | 2.43%-3.4pp | 7.63%-8.6pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,987 | $3,145-36.8% | $3,852-48.4% | $3,470-42.7% |
| Admin fee / account holder | $3,419 | $4,667-26.7% | $6,675-48.8% | $4,887-30.0% |