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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 | $61,073 | $40,275+51.6% | $57,356+6.5% | $59,633+2.4% |
| Participation rate | 46.7% | 69.1%-22.5pp | 75.1%-28.4pp | 68.7%-22.0pp |
| Annual return | 1.24% | 27.52%-26.3pp | 24.41%-23.2pp | 2041.45%-2040.2pp |
| Employer contribution / active EE | $306 | $1,921-84.1% | $2,689-88.6% | $2,203-86.1% |
| Participant deferral / active EE | $3,084 | $2,400+28.5% | $3,162-2.5% | $3,192-3.4% |
| Admin fee / account holder | $753 | $2,820-73.3% | $3,357-77.6% | $4,297-82.5% |