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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 | $28,080 | $77,816-63.9% | $123,549-77.3% | $64,181-56.2% |
| Participation rate | 59.3% | 74.7%-15.5pp | 82.3%-23.0pp | 69.6%-10.3pp |
| Annual return | -5.25% | 12.49%-17.7pp | 119.20%-124.4pp | 7.63%-12.9pp |
| Employer contribution / active EE | $183 | $3,014-93.9% | $4,628-96.1% | $2,381-92.3% |
| Participant deferral / active EE | $3,646 | $5,240-30.4% | $6,426-43.3% | $3,470+5.1% |
| Admin fee / account holder | $17,344 | $5,519+214.3% | $9,284+86.8% | $4,887+254.9% |