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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 | $87,265 | $73,848+18.2% | $143,799-39.3% | $68,486+27.4% |
| Participation rate | 65.5% | 66.7%-1.1pp | 80.3%-14.8pp | 67.9%-2.4pp |
| Annual return | -17.06% | 0.91%-18.0pp | -0.04%-17.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $326 | $3,184-89.8% | $4,952-93.4% | $2,597-87.5% |
| Participant deferral / active EE | $1,634 | $3,385-51.7% | $5,638-71.0% | $4,028-59.4% |
| Admin fee / account holder | $3,050 | $5,755-47.0% | $14,677-79.2% | $5,404-43.6% |