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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 | $38,276 | $62,589-38.8% | $76,768-50.1% | $64,173-40.4% |
| Participation rate | 65.9% | 72.8%-7.0pp | 77.0%-11.1pp | 69.6%-3.7pp |
| Annual return | -6.52% | -1.95%-4.6pp | 2.43%-8.9pp | 7.63%-14.2pp |
| Employer contribution / active EE | $336 | $1,832-81.7% | $2,485-86.5% | $2,381-85.9% |
| Participant deferral / active EE | $1,982 | $3,145-37.0% | $3,852-48.5% | $3,470-42.9% |
| Admin fee / account holder | $2,756 | $4,667-41.0% | $6,675-58.7% | $4,887-43.6% |