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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 | $37,884 | $52,836-28.3% | $105,738-64.2% | $64,173-41.0% |
| Participation rate | 47.2% | 66.5%-19.4pp | 76.3%-29.2pp | 69.6%-22.4pp |
| Annual return | -6.21% | 14.30%-20.5pp | 6.27%-12.5pp | 7.63%-13.8pp |
| Employer contribution / active EE | $459 | $1,827-74.9% | $3,268-86.0% | $2,381-80.7% |
| Participant deferral / active EE | $1,067 | $2,545-58.1% | $4,080-73.9% | $3,470-69.3% |
| Admin fee / account holder | $1,172 | $3,959-70.4% | $6,913-83.0% | $4,887-76.0% |