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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 | $64,884 | $71,878-9.7% | $86,698-25.2% | $68,486-5.3% |
| Participation rate | 63.9% | 72.2%-8.4pp | 76.6%-12.7pp | 67.9%-4.0pp |
| Annual return | -11.45% | 3.53%-15.0pp | 35.95%-47.4pp | -7.85%-3.6pp |
| Employer contribution / active EE | $470 | $2,173-78.4% | $2,837-83.4% | $2,597-81.9% |
| Participant deferral / active EE | $2,825 | $3,779-25.2% | $4,656-39.3% | $4,028-29.9% |
| Admin fee / account holder | $13,997 | $6,113+129.0% | $7,493+86.8% | $5,404+159.0% |