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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 | $54,455 | $81,870-33.5% | $119,622-54.5% | $68,486-20.5% |
| Participation rate | 48.8% | 71.9%-23.1pp | 79.3%-30.5pp | 67.9%-19.1pp |
| Annual return | -18.57% | -23.82%+5.3pp | -14.98%-3.6pp | -7.85%-10.7pp |
| Employer contribution / active EE | $488 | $2,692-81.9% | $4,232-88.5% | $2,597-81.2% |
| Participant deferral / active EE | $2,499 | $4,148-39.7% | $5,601-55.4% | $4,028-37.9% |
| Admin fee / account holder | $1,414 | $6,583-78.5% | $10,328-86.3% | $5,404-73.8% |