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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 | $55,628 | $63,471-12.4% | $68,808-19.2% | $66,938-16.9% |
| Participation rate | 36.9% | 60.0%-23.1pp | 69.0%-32.1pp | 69.8%-32.9pp |
| Annual return | -17.06% | -8.29%-8.8pp | -6.37%-10.7pp | 1.58%-18.6pp |
| Employer contribution / active EE | $239 | $1,776-86.5% | $2,656-91.0% | $2,545-90.6% |
| Participant deferral / active EE | $2,090 | $2,946-29.1% | $3,942-47.0% | $4,238-50.7% |
| Admin fee / account holder | $6,156 | $578+965.3% | $4,936+24.7% | $594+937.2% |