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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 | $33,712 | $81,870-58.8% | $119,634-71.8% | $68,490-50.8% |
| Participation rate | 44.4% | 71.9%-27.4pp | 79.3%-34.8pp | 67.9%-23.5pp |
| Annual return | -16.32% | -23.82%+7.5pp | -14.98%-1.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,355 | $4,148-43.2% | $5,601-58.0% | $4,028-41.5% |
| Admin fee / account holder | $443 | $6,583-93.3% | $10,329-95.7% | $5,403-91.8% |