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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 | $64,061 | $81,870-21.8% | $119,634-46.5% | $68,490-6.5% |
| Participation rate | 49.0% | 71.9%-22.9pp | 79.3%-30.3pp | 67.9%-18.9pp |
| Annual return | -15.07% | -23.82%+8.7pp | -14.98%-0.1pp | -7.85%-7.2pp |
| Employer contribution / active EE | $324 | $2,692-88.0% | $4,232-92.3% | $2,597-87.5% |
| Participant deferral / active EE | $2,636 | $4,148-36.5% | $5,601-52.9% | $4,028-34.6% |
| Admin fee / account holder | $2,109 | $6,583-68.0% | $10,329-79.6% | $5,403-61.0% |