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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 | $56,325 | $62,586-10.0% | $76,766-26.6% | $64,181-12.2% |
| Participation rate | 48.6% | 72.8%-24.2pp | 77.0%-28.3pp | 69.6%-20.9pp |
| Annual return | -4.73% | -1.95%-2.8pp | 2.43%-7.2pp | 7.63%-12.4pp |
| Employer contribution / active EE | $178 | $1,832-90.3% | $2,485-92.9% | $2,381-92.5% |
| Participant deferral / active EE | $1,705 | $3,145-45.8% | $3,851-55.7% | $3,470-50.8% |
| Admin fee / account holder | $3,653 | $4,667-21.7% | $6,675-45.3% | $4,887-25.3% |