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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 | $46,563 | $73,019-36.2% | $90,766-48.7% | $68,490-32.0% |
| Participation rate | 58.6% | 70.8%-12.2pp | 75.7%-17.1pp | 67.9%-9.3pp |
| Annual return | -14.41% | -13.81%-0.6pp | -12.16%-2.3pp | -7.85%-6.6pp |
| Employer contribution / active EE | $432 | $2,193-80.3% | $2,922-85.2% | $2,597-83.4% |
| Participant deferral / active EE | $3,564 | $3,626-1.7% | $4,565-21.9% | $4,028-11.5% |
| Admin fee / account holder | $2,125 | $5,897-64.0% | $8,446-74.8% | $5,403-60.7% |