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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 | $164,194 | $59,813+174.5% | $79,580+106.3% | $68,486+139.7% |
| Participation rate | 42.9% | 61.1%-18.2pp | 69.5%-26.6pp | 67.9%-25.0pp |
| Annual return | -18.95% | -12.30%-6.6pp | 0.15%-19.1pp | -7.85%-11.1pp |
| Employer contribution / active EE | $308 | $1,505-79.6% | $2,413-87.3% | $2,597-88.2% |
| Participant deferral / active EE | $1,714 | $3,024-43.3% | $3,985-57.0% | $4,028-57.5% |
| Admin fee / account holder | $709 | $4,835-85.3% | $6,835-89.6% | $5,404-86.9% |