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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 | $77,725 | $56,339+38.0% | $104,299-25.5% | $68,490+13.5% |
| Participation rate | 52.9% | 63.3%-10.3pp | 73.3%-20.3pp | 67.9%-15.0pp |
| Annual return | -16.26% | -9.19%-7.1pp | 24.62%-40.9pp | -7.85%-8.4pp |
| Employer contribution / active EE | $290 | $1,960-85.2% | $3,373-91.4% | $2,597-88.8% |
| Participant deferral / active EE | $1,375 | $3,077-55.3% | $4,626-70.3% | $4,028-65.9% |
| Admin fee / account holder | $14,255 | $4,902+190.8% | $7,339+94.2% | $5,403+163.8% |