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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 | $35,447 | $65,092-45.5% | $143,799-75.3% | $66,938-47.0% |
| Participation rate | 21.6% | 65.2%-43.6pp | 80.3%-58.7pp | 69.8%-48.2pp |
| Annual return | -14.41% | -11.14%-3.3pp | -0.04%-14.4pp | 1.58%-16.0pp |
| Employer contribution / active EE | $325 | $2,362-86.2% | $4,952-93.4% | $2,545-87.2% |
| Participant deferral / active EE | $1,359 | $2,920-53.5% | $5,638-75.9% | $4,238-67.9% |
| Admin fee / account holder | $705 | $502+40.2% | $14,677-95.2% | $594+18.7% |