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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 | $19,150 | $54,162-64.6% | $68,612-72.1% | $64,173-70.2% |
| Participation rate | 45.2% | 68.1%-22.8pp | 72.2%-27.0pp | 69.6%-24.3pp |
| Annual return | -5.50% | -1.62%-3.9pp | -4.63%-0.9pp | 7.63%-13.1pp |
| Employer contribution / active EE | $145 | $1,846-92.1% | $2,625-94.5% | $2,381-93.9% |
| Participant deferral / active EE | $1,137 | $2,626-56.7% | $3,311-65.7% | $3,470-67.2% |
| Admin fee / account holder | $355 | $4,029-91.2% | $5,131-93.1% | $4,887-92.7% |