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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 | $55,259 | $73,009-24.3% | $90,760-39.1% | $68,486-19.3% |
| Participation rate | 43.4% | 70.8%-27.4pp | 75.7%-32.3pp | 67.9%-24.5pp |
| Annual return | -12.71% | -13.81%+1.1pp | -12.16%-0.6pp | -7.85%-4.9pp |
| Employer contribution / active EE | $440 | $2,193-79.9% | $2,922-84.9% | $2,597-83.1% |
| Participant deferral / active EE | $1,782 | $3,626-50.9% | $4,565-61.0% | $4,028-55.8% |
| Admin fee / account holder | $1,979 | $5,896-66.4% | $8,444-76.6% | $5,404-63.4% |