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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 | $11,227 | $45,872-75.5% | $77,096-85.4% | $68,486-83.6% |
| Participation rate | 23.1% | 55.9%-32.8pp | 67.9%-44.8pp | 67.9%-44.8pp |
| Annual return | -16.48% | 1.73%-18.2pp | 42.35%-58.8pp | -7.85%-8.6pp |
| Employer contribution / active EE | $154 | $1,650-90.7% | $2,814-94.5% | $2,597-94.1% |
| Participant deferral / active EE | $784 | $2,963-73.5% | $4,429-82.3% | $4,028-80.5% |
| Admin fee / account holder | $1,138 | $3,041-62.6% | $5,428-79.0% | $5,404-78.9% |