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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 | $25,280 | $73,848-65.8% | $143,799-82.4% | $68,486-63.1% |
| Participation rate | 40.5% | 66.7%-26.1pp | 80.3%-39.8pp | 67.9%-27.4pp |
| Annual return | -15.46% | 0.91%-16.4pp | -0.04%-15.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $347 | $3,184-89.1% | $4,952-93.0% | $2,597-86.6% |
| Participant deferral / active EE | $3,139 | $3,385-7.3% | $5,638-44.3% | $4,028-22.1% |
| Admin fee / account holder | $495 | $5,755-91.4% | $14,677-96.6% | $5,404-90.8% |