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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 | $26,892 | $73,848-63.6% | $143,799-81.3% | $68,486-60.7% |
| Participation rate | 39.6% | 66.7%-27.1pp | 80.3%-40.7pp | 67.9%-28.3pp |
| Annual return | -15.78% | 0.91%-16.7pp | -0.04%-15.7pp | -7.85%-7.9pp |
| Employer contribution / active EE | $97 | $3,184-97.0% | $4,952-98.0% | $2,597-96.3% |
| Participant deferral / active EE | $1,508 | $3,385-55.5% | $5,638-73.3% | $4,028-62.6% |
| Admin fee / account holder | $9,134 | $5,755+58.7% | $14,677-37.8% | $5,404+69.0% |