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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 | $77,793 | $71,873+8.2% | $86,698-10.3% | $68,490+13.6% |
| Participation rate | 50.0% | 72.2%-22.2pp | 76.6%-26.6pp | 67.9%-17.9pp |
| Annual return | -12.54% | 3.54%-16.1pp | 35.96%-48.5pp | -7.85%-4.7pp |
| Employer contribution / active EE | $452 | $2,173-79.2% | $2,837-84.1% | $2,597-82.6% |
| Participant deferral / active EE | $3,527 | $3,779-6.7% | $4,656-24.2% | $4,028-12.4% |
| Admin fee / account holder | $5,331 | $6,110-12.8% | $7,492-28.8% | $5,403-1.3% |