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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 | $50,741 | $64,719-21.6% | $112,249-54.8% | $68,486-25.9% |
| Participation rate | 44.1% | 67.2%-23.1pp | 75.1%-31.0pp | 67.9%-23.8pp |
| Annual return | -17.97% | -11.40%-6.6pp | 27.48%-45.5pp | -7.85%-10.1pp |
| Employer contribution / active EE | $42 | $2,747-98.5% | $3,636-98.9% | $2,597-98.4% |
| Participant deferral / active EE | $1,709 | $3,565-52.1% | $4,729-63.9% | $4,028-57.6% |
| Admin fee / account holder | $1,494 | $5,232-71.5% | $6,412-76.7% | $5,404-72.4% |