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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 | $53,669 | $76,912-30.2% | $129,110-58.4% | $68,495-21.6% |
| Participation rate | 43.8% | 69.1%-25.4pp | 77.3%-33.5pp | 67.9%-24.1pp |
| Annual return | -13.97% | -9.78%-4.2pp | -10.94%-3.0pp | -7.84%-6.1pp |
| Employer contribution / active EE | $840 | $3,243-74.1% | $5,052-83.4% | $2,596-67.7% |
| Participant deferral / active EE | $2,195 | $4,732-53.6% | $6,542-66.5% | $4,028-45.5% |
| Admin fee / account holder | $3,456 | $6,638-47.9% | $14,302-75.8% | $5,403-36.0% |