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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 | $110,646 | $59,813+85.0% | $79,580+39.0% | $68,486+61.6% |
| Participation rate | 47.1% | 61.1%-14.0pp | 69.5%-22.4pp | 67.9%-20.8pp |
| Annual return | -13.12% | -12.30%-0.8pp | 0.15%-13.3pp | -7.85%-5.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,970 | $3,024+31.3% | $3,985-0.4% | $4,028-1.4% |
| Admin fee / account holder | $4,419 | $4,835-8.6% | $6,835-35.3% | $5,404-18.2% |