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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 | $34,155 | $62,589-45.4% | $76,768-55.5% | $64,173-46.8% |
| Participation rate | 67.0% | 72.8%-5.8pp | 77.0%-9.9pp | 69.6%-2.5pp |
| Annual return | -5.31% | -1.95%-3.4pp | 2.43%-7.7pp | 7.63%-12.9pp |
| Employer contribution / active EE | $356 | $1,832-80.6% | $2,485-85.7% | $2,381-85.0% |
| Participant deferral / active EE | $1,534 | $3,145-51.2% | $3,852-60.2% | $3,470-55.8% |
| Admin fee / account holder | $1,302 | $4,667-72.1% | $6,675-80.5% | $4,887-73.4% |