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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 | $30,261 | $56,484-46.4% | $169,452-82.1% | $64,173-52.8% |
| Participation rate | 67.7% | 64.5%+3.2pp | 77.8%-10.0pp | 69.6%-1.8pp |
| Annual return | -5.24% | -1.55%-3.7pp | 1.83%-7.1pp | 7.63%-12.9pp |
| Employer contribution / active EE | $161 | $1,832-91.2% | $4,157-96.1% | $2,381-93.3% |
| Participant deferral / active EE | $2,246 | $3,448-34.9% | $5,277-57.4% | $3,470-35.3% |
| Admin fee / account holder | $2,176 | $4,174-47.9% | $9,110-76.1% | $4,887-55.5% |