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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 | $24,115 | $50,947-52.7% | $74,549-67.7% | $64,173-62.4% |
| Participation rate | 44.7% | 61.1%-16.3pp | 69.1%-24.4pp | 69.6%-24.8pp |
| Annual return | -5.58% | -1.85%-3.7pp | 32.53%-38.1pp | 7.63%-13.2pp |
| Employer contribution / active EE | $161 | $1,115-85.5% | $1,961-91.8% | $2,381-93.2% |
| Participant deferral / active EE | $2,317 | $2,302+0.7% | $3,108-25.4% | $3,470-33.2% |
| Admin fee / account holder | $2,497 | $4,221-40.8% | $5,059-50.6% | $4,887-48.9% |