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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 | $19,997 | $73,863-72.9% | $143,797-86.1% | $68,490-70.8% |
| Participation rate | 59.4% | 66.7%-7.3pp | 80.3%-20.9pp | 67.9%-8.5pp |
| Annual return | -18.35% | 0.91%-19.3pp | -0.04%-18.3pp | -7.85%-10.5pp |
| Employer contribution / active EE | $263 | $3,185-91.8% | $4,952-94.7% | $2,597-89.9% |
| Participant deferral / active EE | $1,988 | $3,385-41.3% | $5,638-64.7% | $4,028-50.6% |
| Admin fee / account holder | $2,269 | $5,756-60.6% | $14,679-84.5% | $5,403-58.0% |