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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 | $44,362 | $71,878-38.3% | $86,698-48.8% | $68,486-35.2% |
| Participation rate | 61.0% | 72.2%-11.3pp | 76.6%-15.6pp | 67.9%-6.9pp |
| Annual return | -10.42% | 3.53%-14.0pp | 35.95%-46.4pp | -7.85%-2.6pp |
| Employer contribution / active EE | $420 | $2,173-80.7% | $2,837-85.2% | $2,597-83.8% |
| Participant deferral / active EE | $4,200 | $3,779+11.1% | $4,656-9.8% | $4,028+4.3% |
| Admin fee / account holder | $599 | $6,113-90.2% | $7,493-92.0% | $5,404-88.9% |