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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 | $37,604 | $50,947-26.2% | $74,549-49.6% | $64,173-41.4% |
| Participation rate | 25.3% | 61.1%-35.7pp | 69.1%-43.8pp | 69.6%-44.3pp |
| Annual return | -6.61% | -1.85%-4.8pp | 32.53%-39.1pp | 7.63%-14.2pp |
| Employer contribution / active EE | $173 | $1,115-84.5% | $1,961-91.2% | $2,381-92.7% |
| Participant deferral / active EE | $1,099 | $2,302-52.3% | $3,108-64.6% | $3,470-68.3% |
| Admin fee / account holder | $1,824 | $4,221-56.8% | $5,059-63.9% | $4,887-62.7% |