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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 | $57,332 | $64,729-11.4% | $112,263-48.9% | $68,490-16.3% |
| Participation rate | 29.6% | 67.2%-37.5pp | 75.1%-45.4pp | 67.9%-38.3pp |
| Annual return | -4.63% | -11.40%+6.8pp | 27.49%-32.1pp | -7.85%+3.2pp |
| Employer contribution / active EE | $484 | $2,746-82.4% | $3,636-86.7% | $2,597-81.4% |
| Participant deferral / active EE | $1,909 | $3,566-46.5% | $4,729-59.6% | $4,028-52.6% |
| Admin fee / account holder | $659 | $5,222-87.4% | $6,410-89.7% | $5,403-87.8% |