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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 | $13,369 | $65,125-79.5% | $143,797-90.7% | $66,949-80.0% |
| Participation rate | 30.6% | 65.2%-34.6pp | 80.3%-49.8pp | 69.8%-39.3pp |
| Annual return | -2.49% | -11.13%+8.6pp | -0.04%-2.5pp | 1.57%-4.1pp |
| Employer contribution / active EE | $185 | $2,362-92.2% | $4,952-96.3% | $2,545-92.7% |
| Participant deferral / active EE | $1,600 | $2,920-45.2% | $5,638-71.6% | $4,239-62.2% |
| Admin fee / account holder | $1,165 | $503+131.8% | $14,679-92.1% | $594+96.3% |