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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 | $30,045 | $57,352-47.6% | $83,830-64.2% | $64,173-53.2% |
| Participation rate | 41.1% | 68.6%-27.6pp | 76.1%-35.1pp | 69.6%-28.5pp |
| Annual return | -5.33% | 11.38%-16.7pp | 850.97%-856.3pp | 7.63%-13.0pp |
| Employer contribution / active EE | $370 | $2,546-85.5% | $3,631-89.8% | $2,381-84.5% |
| Participant deferral / active EE | $1,923 | $2,993-35.7% | $4,082-52.9% | $3,470-44.6% |
| Admin fee / account holder | $360 | $4,046-91.1% | $5,479-93.4% | $4,887-92.6% |