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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 | $44,280 | $54,162-18.2% | $68,612-35.5% | $64,173-31.0% |
| Participation rate | 64.1% | 68.1%-4.0pp | 72.2%-8.1pp | 69.6%-5.5pp |
| Annual return | -7.07% | -1.62%-5.4pp | -4.63%-2.4pp | 7.63%-14.7pp |
| Employer contribution / active EE | $269 | $1,846-85.4% | $2,625-89.7% | $2,381-88.7% |
| Participant deferral / active EE | $1,549 | $2,626-41.0% | $3,311-53.2% | $3,470-55.4% |
| Admin fee / account holder | $1,428 | $4,029-64.5% | $5,131-72.2% | $4,887-70.8% |