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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 | $83,312 | $71,873+15.9% | $86,698-3.9% | $68,490+21.6% |
| Participation rate | 56.0% | 72.2%-16.2pp | 76.6%-20.5pp | 67.9%-11.9pp |
| Annual return | -17.72% | 3.54%-21.3pp | 35.96%-53.7pp | -7.85%-9.9pp |
| Employer contribution / active EE | $360 | $2,173-83.5% | $2,837-87.3% | $2,597-86.2% |
| Participant deferral / active EE | $3,055 | $3,779-19.2% | $4,656-34.4% | $4,028-24.2% |
| Admin fee / account holder | $4,211 | $6,110-31.1% | $7,492-43.8% | $5,403-22.1% |