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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 | $56,137 | $61,660-9.0% | $80,022-29.8% | $64,173-12.5% |
| Participation rate | 37.2% | 71.7%-34.5pp | 75.8%-38.6pp | 69.6%-32.4pp |
| Annual return | -4.19% | -0.33%-3.9pp | 11.22%-15.4pp | 7.63%-11.8pp |
| Employer contribution / active EE | $283 | $1,810-84.4% | $2,468-88.5% | $2,381-88.1% |
| Participant deferral / active EE | $1,388 | $2,968-53.2% | $3,686-62.3% | $3,470-60.0% |
| Admin fee / account holder | $5,842 | $5,417+7.9% | $6,521-10.4% | $4,887+19.5% |