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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 | $20,809 | $43,338-52.0% | $59,887-65.3% | $64,173-67.6% |
| Participation rate | 53.6% | 69.2%-15.6pp | 74.7%-21.1pp | 69.6%-16.0pp |
| Annual return | -4.36% | -1.55%-2.8pp | 3.46%-7.8pp | 7.63%-12.0pp |
| Employer contribution / active EE | $297 | $2,030-85.4% | $2,722-89.1% | $2,381-87.5% |
| Participant deferral / active EE | $1,327 | $2,547-47.9% | $3,402-61.0% | $3,470-61.8% |
| Admin fee / account holder | $592 | $3,007-80.3% | $3,591-83.5% | $4,887-87.9% |