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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 | $70,331 | $62,583+12.4% | $76,767-8.4% | $64,173+9.6% |
| Participation rate | 45.5% | 72.8%-27.4pp | 77.0%-31.5pp | 69.6%-24.1pp |
| Annual return | -2.20% | -1.95%-0.2pp | 2.43%-4.6pp | 7.63%-9.8pp |
| Employer contribution / active EE | $283 | $1,832-84.5% | $2,485-88.6% | $2,381-88.1% |
| Participant deferral / active EE | $2,274 | $3,145-27.7% | $3,852-41.0% | $3,470-34.5% |
| Admin fee / account holder | $1,082 | $4,667-76.8% | $6,675-83.8% | $4,887-77.9% |