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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 | $69,313 | $56,484+22.7% | $169,452-59.1% | $64,173+8.0% |
| Participation rate | 40.4% | 64.5%-24.2pp | 77.8%-37.4pp | 69.6%-29.2pp |
| Annual return | -6.08% | -1.55%-4.5pp | 1.83%-7.9pp | 7.63%-13.7pp |
| Employer contribution / active EE | $295 | $1,832-83.9% | $4,157-92.9% | $2,381-87.6% |
| Participant deferral / active EE | $2,302 | $3,448-33.2% | $5,277-56.4% | $3,470-33.7% |
| Admin fee / account holder | $363 | $4,174-91.3% | $9,110-96.0% | $4,887-92.6% |