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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 | $54,385 | $73,019-25.5% | $90,766-40.1% | $68,490-20.6% |
| Participation rate | 67.1% | 70.8%-3.7pp | 75.7%-8.6pp | 67.9%-0.8pp |
| Annual return | -14.22% | -13.81%-0.4pp | -12.16%-2.1pp | -7.85%-6.4pp |
| Employer contribution / active EE | $497 | $2,193-77.3% | $2,922-83.0% | $2,597-80.9% |
| Participant deferral / active EE | $2,575 | $3,626-29.0% | $4,565-43.6% | $4,028-36.1% |
| Admin fee / account holder | $4,074 | $5,897-30.9% | $8,446-51.8% | $5,403-24.6% |