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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 | $46,868 | $50,947-8.0% | $74,551-37.1% | $64,173-27.0% |
| Participation rate | 60.4% | 61.1%-0.6pp | 69.1%-8.7pp | 69.6%-9.2pp |
| Annual return | -4.67% | -1.85%-2.8pp | 32.53%-37.2pp | 7.63%-12.3pp |
| Employer contribution / active EE | $157 | $1,115-85.9% | $1,961-92.0% | $2,381-93.4% |
| Participant deferral / active EE | $1,540 | $2,302-33.1% | $3,108-50.5% | $3,470-55.6% |
| Admin fee / account holder | $6,457 | $4,221+53.0% | $5,059+27.6% | $4,887+32.1% |