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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 | $54,433 | $62,589-13.0% | $76,768-29.1% | $64,173-15.2% |
| Participation rate | 60.0% | 72.8%-12.8pp | 77.0%-17.0pp | 69.6%-9.6pp |
| Annual return | -6.14% | -1.95%-4.2pp | 2.43%-8.6pp | 7.63%-13.8pp |
| Employer contribution / active EE | $319 | $1,832-82.6% | $2,485-87.2% | $2,381-86.6% |
| Participant deferral / active EE | $3,220 | $3,145+2.4% | $3,852-16.4% | $3,470-7.2% |
| Admin fee / account holder | $1,301 | $4,667-72.1% | $6,675-80.5% | $4,887-73.4% |