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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 | $89,328 | $62,583+42.7% | $76,767+16.4% | $64,173+39.2% |
| Participation rate | 46.2% | 72.8%-26.7pp | 77.0%-30.8pp | 69.6%-23.4pp |
| Annual return | -5.51% | -1.95%-3.6pp | 2.43%-7.9pp | 7.63%-13.1pp |
| Employer contribution / active EE | $372 | $1,832-79.7% | $2,485-85.0% | $2,381-84.4% |
| Participant deferral / active EE | $3,095 | $3,145-1.6% | $3,852-19.6% | $3,470-10.8% |
| Admin fee / account holder | $1,039 | $4,667-77.7% | $6,675-84.4% | $4,887-78.7% |