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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 | $35,777 | $71,873-50.2% | $86,698-58.7% | $68,490-47.8% |
| Participation rate | 64.8% | 72.2%-7.4pp | 76.6%-11.8pp | 67.9%-3.1pp |
| Annual return | -16.18% | 3.54%-19.7pp | 35.96%-52.1pp | -7.85%-8.3pp |
| Employer contribution / active EE | $498 | $2,173-77.1% | $2,837-82.4% | $2,597-80.8% |
| Participant deferral / active EE | $3,032 | $3,779-19.8% | $4,656-34.9% | $4,028-24.7% |
| Admin fee / account holder | $7,526 | $6,110+23.2% | $7,492+0.5% | $5,403+39.3% |