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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 | $73,396 | $71,872+2.1% | $86,691-15.3% | $68,495+7.2% |
| Participation rate | 52.7% | 72.2%-19.5pp | 76.6%-23.9pp | 67.9%-15.2pp |
| Annual return | -18.44% | 3.53%-22.0pp | 35.94%-54.4pp | -7.84%-10.6pp |
| Employer contribution / active EE | $496 | $2,173-77.2% | $2,837-82.5% | $2,596-80.9% |
| Participant deferral / active EE | $3,683 | $3,779-2.5% | $4,656-20.9% | $4,028-8.6% |
| Admin fee / account holder | $2,897 | $6,112-52.6% | $7,492-61.3% | $5,403-46.4% |