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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 | $66,480 | $59,834+11.1% | $79,576-16.5% | $68,495-2.9% |
| Participation rate | 36.3% | 61.1%-24.8pp | 69.5%-33.2pp | 67.9%-31.6pp |
| Annual return | -12.97% | -12.30%-0.7pp | 0.15%-13.1pp | -7.84%-5.1pp |
| Employer contribution / active EE | $289 | $1,505-80.8% | $2,413-88.0% | $2,596-88.9% |
| Participant deferral / active EE | $1,854 | $3,024-38.7% | $3,985-53.5% | $4,028-54.0% |
| Admin fee / account holder | $1,754 | $4,835-63.7% | $6,834-74.3% | $5,403-67.5% |