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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 | $58,306 | $45,872+27.1% | $77,081-24.4% | $68,495-14.9% |
| Participation rate | 33.7% | 55.9%-22.2pp | 67.9%-34.2pp | 67.9%-34.2pp |
| Annual return | -17.16% | 1.73%-18.9pp | 42.33%-59.5pp | -7.84%-9.3pp |
| Employer contribution / active EE | $178 | $1,650-89.2% | $2,813-93.7% | $2,596-93.1% |
| Participant deferral / active EE | $1,469 | $2,963-50.4% | $4,428-66.8% | $4,028-63.5% |
| Admin fee / account holder | $3,317 | $3,041+9.1% | $5,427-38.9% | $5,403-38.6% |