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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 | $38,754 | $73,102-47.0% | $123,553-68.6% | $56,289-31.2% |
| Participation rate | 55.8% | 74.3%-18.5pp | 82.3%-26.5pp | 69.9%-14.1pp |
| Annual return | -5.53% | 3.01%-8.5pp | 119.21%-124.7pp | -9.96%+4.4pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $8,456 | $5,423+55.9% | $6,426+31.6% | $3,350+152.4% |
| Admin fee / account holder | $1,378 | $554+148.8% | $9,284-85.2% | $521+164.5% |