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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 | $70,478 | $64,719+8.9% | $112,249-37.2% | $68,486+2.9% |
| Participation rate | 48.1% | 67.2%-19.0pp | 75.1%-26.9pp | 67.9%-19.7pp |
| Annual return | -13.22% | -11.40%-1.8pp | 27.48%-40.7pp | -7.85%-5.4pp |
| Employer contribution / active EE | $292 | $2,747-89.4% | $3,636-92.0% | $2,597-88.7% |
| Participant deferral / active EE | $2,205 | $3,565-38.1% | $4,729-53.4% | $4,028-45.2% |
| Admin fee / account holder | $10,854 | $5,232+107.4% | $6,412+69.3% | $5,404+100.9% |