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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 | $75,555 | $71,872+5.1% | $86,691-12.8% | $68,495+10.3% |
| Participation rate | 56.8% | 72.2%-15.4pp | 76.6%-19.8pp | 67.9%-11.1pp |
| Annual return | -14.76% | 3.53%-18.3pp | 35.94%-50.7pp | -7.84%-6.9pp |
| Employer contribution / active EE | $517 | $2,173-76.2% | $2,837-81.8% | $2,596-80.1% |
| Participant deferral / active EE | $2,511 | $3,779-33.6% | $4,656-46.1% | $4,028-37.7% |
| Admin fee / account holder | $10,275 | $6,112+68.1% | $7,492+37.2% | $5,403+90.2% |