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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 | $52,196 | $73,867-29.3% | $143,770-63.7% | $68,498-23.8% |
| Participation rate | 46.5% | 66.7%-20.1pp | 80.3%-33.8pp | 67.9%-21.4pp |
| Annual return | -17.99% | 1.01%-19.0pp | -0.04%-17.9pp | -7.84%-10.1pp |
| Employer contribution / active EE | $366 | $3,184-88.5% | $4,951-92.6% | $2,596-85.9% |
| Participant deferral / active EE | $2,350 | $3,384-30.6% | $5,638-58.3% | $4,027-41.6% |
| Admin fee / account holder | $855 | $5,755-85.1% | $14,673-94.2% | $5,403-84.2% |