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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 | $24,604 | $64,719-62.0% | $112,249-78.1% | $68,486-64.1% |
| Participation rate | 45.0% | 67.2%-22.2pp | 75.1%-30.1pp | 67.9%-22.9pp |
| Annual return | -14.73% | -11.40%-3.3pp | 27.48%-42.2pp | -7.85%-6.9pp |
| Employer contribution / active EE | $324 | $2,747-88.2% | $3,636-91.1% | $2,597-87.5% |
| Participant deferral / active EE | $3,241 | $3,565-9.1% | $4,729-31.5% | $4,028-19.5% |
| Admin fee / account holder | $498 | $5,232-90.5% | $6,412-92.2% | $5,404-90.8% |