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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 | $60,041 | $59,813+0.4% | $79,580-24.6% | $68,486-12.3% |
| Participation rate | 42.5% | 61.1%-18.6pp | 69.5%-27.0pp | 67.9%-25.4pp |
| Annual return | -16.97% | -12.30%-4.7pp | 0.15%-17.1pp | -7.85%-9.1pp |
| Employer contribution / active EE | $269 | $1,505-82.1% | $2,413-88.8% | $2,597-89.6% |
| Participant deferral / active EE | $1,983 | $3,024-34.4% | $3,985-50.2% | $4,028-50.8% |
| Admin fee / account holder | $2,446 | $4,835-49.4% | $6,835-64.2% | $5,404-54.7% |