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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 | $38,240 | $50,947-24.9% | $74,549-48.7% | $64,173-40.4% |
| Participation rate | 45.3% | 61.1%-15.8pp | 69.1%-23.9pp | 69.6%-24.3pp |
| Annual return | -7.03% | -1.85%-5.2pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $149 | $1,115-86.6% | $1,961-92.4% | $2,381-93.7% |
| Participant deferral / active EE | $1,070 | $2,302-53.5% | $3,108-65.6% | $3,470-69.2% |
| Admin fee / account holder | $1,989 | $4,221-52.9% | $5,059-60.7% | $4,887-59.3% |