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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 | $28,063 | $59,834-53.1% | $79,576-64.7% | $68,495-59.0% |
| Participation rate | 26.3% | 61.1%-34.7pp | 69.5%-43.2pp | 67.9%-41.6pp |
| Annual return | -15.64% | -12.30%-3.3pp | 0.15%-15.8pp | -7.84%-7.8pp |
| Employer contribution / active EE | $233 | $1,505-84.5% | $2,413-90.4% | $2,596-91.0% |
| Participant deferral / active EE | $2,328 | $3,024-23.0% | $3,985-41.6% | $4,028-42.2% |
| Admin fee / account holder | $7,014 | $4,835+45.1% | $6,834+2.6% | $5,403+29.8% |