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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 | $58,829 | $61,660-4.6% | $80,022-26.5% | $64,173-8.3% |
| Participation rate | 40.0% | 71.7%-31.7pp | 75.8%-35.8pp | 69.6%-29.6pp |
| Annual return | -6.03% | -0.33%-5.7pp | 11.22%-17.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $273 | $1,810-84.9% | $2,468-89.0% | $2,381-88.5% |
| Participant deferral / active EE | $1,516 | $2,968-48.9% | $3,686-58.9% | $3,470-56.3% |
| Admin fee / account holder | $1,364 | $5,417-74.8% | $6,521-79.1% | $4,887-72.1% |