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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 | $24,432 | $64,719-62.2% | $112,249-78.2% | $68,486-64.3% |
| Participation rate | 34.3% | 67.2%-32.9pp | 75.1%-40.8pp | 67.9%-33.6pp |
| Annual return | -3.72% | -11.40%+7.7pp | 27.48%-31.2pp | -7.85%+4.1pp |
| Employer contribution / active EE | $616 | $2,747-77.6% | $3,636-83.1% | $2,597-76.3% |
| Participant deferral / active EE | $1,778 | $3,565-50.1% | $4,729-62.4% | $4,028-55.9% |
| Admin fee / account holder | $1,463 | $5,232-72.0% | $6,412-77.2% | $5,404-72.9% |