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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 | $32,426 | $48,267-32.8% | $68,794-52.9% | $68,495-52.7% |
| Participation rate | 33.3% | 60.7%-27.3pp | 69.0%-35.7pp | 67.9%-34.6pp |
| Annual return | -18.03% | -12.70%-5.3pp | -6.37%-11.7pp | -7.84%-10.2pp |
| Employer contribution / active EE | $298 | $1,829-83.7% | $2,656-88.8% | $2,596-88.5% |
| Participant deferral / active EE | $930 | $2,867-67.6% | $3,941-76.4% | $4,028-76.9% |
| Admin fee / account holder | $1,041 | $4,362-76.1% | $4,934-78.9% | $5,403-80.7% |