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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 | $49,678 | $49,280+0.8% | $67,313-26.2% | $64,173-22.6% |
| Participation rate | 30.7% | 60.8%-30.1pp | 69.1%-38.4pp | 69.6%-38.9pp |
| Annual return | 8.43% | -1.39%+9.8pp | -4.08%+12.5pp | 7.63%+0.8pp |
| Employer contribution / active EE | $179 | $1,668-89.3% | $2,566-93.0% | $2,381-92.5% |
| Participant deferral / active EE | $946 | $2,484-61.9% | $3,568-73.5% | $3,470-72.7% |
| Admin fee / account holder | $1,747 | $3,863-54.8% | $4,507-61.2% | $4,887-64.3% |