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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 | $45,686 | $64,719-29.4% | $112,249-59.3% | $68,486-33.3% |
| Participation rate | 29.4% | 67.2%-37.7pp | 75.1%-45.6pp | 67.9%-38.5pp |
| Annual return | -14.28% | -11.40%-2.9pp | 27.48%-41.8pp | -7.85%-6.4pp |
| Employer contribution / active EE | $489 | $2,747-82.2% | $3,636-86.6% | $2,597-81.2% |
| Participant deferral / active EE | $2,450 | $3,565-31.3% | $4,729-48.2% | $4,028-39.2% |
| Admin fee / account holder | $4,040 | $5,232-22.8% | $6,412-37.0% | $5,404-25.2% |