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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 | $27,092 | $77,817-65.2% | $123,553-78.1% | $64,173-57.8% |
| Participation rate | 42.2% | 74.7%-32.5pp | 82.3%-40.1pp | 69.6%-27.4pp |
| Annual return | -6.10% | 12.49%-18.6pp | 119.21%-125.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $148 | $3,014-95.1% | $4,628-96.8% | $2,381-93.8% |
| Participant deferral / active EE | $4,523 | $5,240-13.7% | $6,426-29.6% | $3,470+30.4% |
| Admin fee / account holder | $846 | $5,519-84.7% | $9,284-90.9% | $4,887-82.7% |