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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 | $64,998 | $64,138+1.3% | $112,258-42.1% | $66,930-2.9% |
| Participation rate | 23.8% | 68.5%-44.6pp | 75.1%-51.3pp | 69.8%-46.0pp |
| Annual return | -15.56% | -13.81%-1.8pp | 27.47%-43.0pp | 1.57%-17.1pp |
| Employer contribution / active EE | $710 | $3,006-76.4% | $3,636-80.5% | $2,545-72.1% |
| Participant deferral / active EE | $1,987 | $3,694-46.2% | $4,728-58.0% | $4,238-53.1% |
| Admin fee / account holder | $8,343 | $625+1234.0% | $6,411+30.1% | $593+1305.9% |