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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 | $42,950 | $42,910+0.1% | $60,919-29.5% | $68,490-37.3% |
| Participation rate | 53.1% | 66.8%-13.6pp | 73.1%-20.0pp | 67.9%-14.8pp |
| Annual return | -16.70% | -13.99%-2.7pp | 16.96%-33.7pp | -7.85%-8.8pp |
| Employer contribution / active EE | $347 | $1,978-82.5% | $2,704-87.2% | $2,597-86.7% |
| Participant deferral / active EE | $2,721 | $2,866-5.0% | $3,814-28.7% | $4,028-32.4% |
| Admin fee / account holder | $532 | $3,104-82.9% | $3,228-83.5% | $5,403-90.1% |