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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 | $23,167 | $65,083-64.4% | $143,788-83.9% | $66,930-65.4% |
| Participation rate | 43.7% | 65.2%-21.6pp | 80.3%-36.7pp | 69.8%-26.2pp |
| Annual return | -14.23% | -11.13%-3.1pp | -0.03%-14.2pp | 1.57%-15.8pp |
| Employer contribution / active EE | $366 | $2,361-84.5% | $4,952-92.6% | $2,545-85.6% |
| Participant deferral / active EE | $2,599 | $2,920-11.0% | $5,638-53.9% | $4,238-38.7% |
| Admin fee / account holder | $961 | $502+91.3% | $14,675-93.5% | $593+61.9% |