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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 | $69,578 | $61,660+12.8% | $80,022-13.1% | $64,173+8.4% |
| Participation rate | 56.9% | 71.7%-14.8pp | 75.8%-18.9pp | 69.6%-12.7pp |
| Annual return | -0.37% | -0.33%0pp | 11.22%-11.6pp | 7.63%-8.0pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,443 | $2,968-51.4% | $3,686-60.9% | $3,470-58.4% |
| Admin fee / account holder | $2,507 | $5,417-53.7% | $6,521-61.6% | $4,887-48.7% |