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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 | $49,024 | $53,546-8.4% | $69,884-29.8% | $68,486-28.4% |
| Participation rate | 60.7% | 64.5%-3.8pp | 70.5%-9.8pp | 67.9%-7.2pp |
| Annual return | -16.73% | -13.87%-2.9pp | 190.81%-207.5pp | -7.85%-8.9pp |
| Employer contribution / active EE | $113 | $2,019-94.4% | $2,560-95.6% | $2,597-95.7% |
| Participant deferral / active EE | $2,760 | $2,957-6.6% | $3,848-28.3% | $4,028-31.5% |
| Admin fee / account holder | $4,581 | $4,693-2.4% | $6,266-26.9% | $5,404-15.2% |