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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 | $52,063 | $56,339-7.6% | $104,299-50.1% | $68,490-24.0% |
| Participation rate | 30.2% | 63.3%-33.0pp | 73.3%-43.0pp | 67.9%-37.7pp |
| Annual return | -17.47% | -9.19%-8.3pp | 24.62%-42.1pp | -7.85%-9.6pp |
| Employer contribution / active EE | $437 | $1,960-77.7% | $3,373-87.1% | $2,597-83.2% |
| Participant deferral / active EE | $1,113 | $3,077-63.8% | $4,626-75.9% | $4,028-72.4% |
| Admin fee / account holder | $8,392 | $4,902+71.2% | $7,339+14.3% | $5,403+55.3% |