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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 | $46,586 | $45,872+1.6% | $77,081-39.6% | $68,495-32.0% |
| Participation rate | 41.5% | 55.9%-14.4pp | 67.9%-26.4pp | 67.9%-26.4pp |
| Annual return | -7.26% | 1.73%-9.0pp | 42.33%-49.6pp | -7.84%+0.6pp |
| Employer contribution / active EE | $8 | $1,650-99.5% | $2,813-99.7% | $2,596-99.7% |
| Participant deferral / active EE | $1,969 | $2,963-33.6% | $4,428-55.5% | $4,028-51.1% |
| Admin fee / account holder | $6,345 | $3,041+108.6% | $5,427+16.9% | $5,403+17.4% |