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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 | $53,293 | $50,947+4.6% | $74,551-28.5% | $64,173-17.0% |
| Participation rate | 47.8% | 61.1%-13.2pp | 69.1%-21.3pp | 69.6%-21.7pp |
| Annual return | -6.81% | -1.85%-5.0pp | 32.53%-39.3pp | 7.63%-14.4pp |
| Employer contribution / active EE | $68 | $1,115-93.9% | $1,961-96.5% | $2,381-97.1% |
| Participant deferral / active EE | $3,234 | $2,302+40.5% | $3,108+4.1% | $3,470-6.8% |
| Admin fee / account holder | $2,975 | $4,221-29.5% | $5,059-41.2% | $4,887-39.1% |