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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 | $31,655 | $72,404-56.3% | $110,243-71.3% | $64,173-50.7% |
| Participation rate | 62.2% | 73.3%-11.1pp | 79.8%-17.6pp | 69.6%-7.3pp |
| Annual return | -6.62% | -6.29%-0.3pp | 314.76%-321.4pp | 7.63%-14.3pp |
| Employer contribution / active EE | $353 | $2,282-84.5% | $3,827-90.8% | $2,381-85.2% |
| Participant deferral / active EE | $1,575 | $3,469-54.6% | $4,672-66.3% | $3,470-54.6% |
| Admin fee / account holder | $473 | $5,664-91.7% | $8,548-94.5% | $4,887-90.3% |