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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 | $80,202 | $77,816+3.1% | $123,552-35.1% | $64,173+25.0% |
| Participation rate | 56.5% | 74.7%-18.2pp | 82.3%-25.8pp | 69.6%-13.0pp |
| Annual return | -3.32% | 12.49%-15.8pp | 119.20%-122.5pp | 7.63%-11.0pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $8,937 | $5,240+70.5% | $6,426+39.1% | $3,470+157.6% |
| Admin fee / account holder | $4,323 | $5,519-21.7% | $9,285-53.4% | $4,887-11.5% |