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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 | $49,198 | $64,719-24.0% | $112,249-56.2% | $68,486-28.2% |
| Participation rate | 15.4% | 67.2%-51.8pp | 75.1%-59.7pp | 67.9%-52.5pp |
| Annual return | -15.46% | -11.40%-4.1pp | 27.48%-42.9pp | -7.85%-7.6pp |
| Employer contribution / active EE | $628 | $2,747-77.1% | $3,636-82.7% | $2,597-75.8% |
| Participant deferral / active EE | $1,635 | $3,565-54.1% | $4,729-65.4% | $4,028-59.4% |
| Admin fee / account holder | $650 | $5,232-87.6% | $6,412-89.9% | $5,404-88.0% |