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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 | $58,919 | $81,870-28.0% | $119,634-50.8% | $68,490-14.0% |
| Participation rate | 69.2% | 71.9%-2.7pp | 79.3%-10.0pp | 67.9%+1.3pp |
| Annual return | -14.21% | -23.82%+9.6pp | -14.98%+0.8pp | -7.85%-6.4pp |
| Employer contribution / active EE | $503 | $2,692-81.3% | $4,232-88.1% | $2,597-80.6% |
| Participant deferral / active EE | $3,927 | $4,148-5.3% | $5,601-29.9% | $4,028-2.5% |
| Admin fee / account holder | $1,292 | $6,583-80.4% | $10,329-87.5% | $5,403-76.1% |