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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 | $42,762 | $67,411-36.6% | $91,004-53.0% | $70,126-39.0% |
| Participation rate | 64.3% | 71.4%-7.1pp | 75.6%-11.3pp | 69.5%-5.3pp |
| Annual return | 17.63% | -40.16%+57.8pp | 4.60%+13.0pp | 73.15%-55.5pp |
| Employer contribution / active EE | $277 | $1,786-84.5% | $2,456-88.7% | $2,343-88.2% |
| Participant deferral / active EE | $1,894 | $2,823-32.9% | $3,548-46.6% | $3,332-43.1% |
| Admin fee / account holder | $2,810 | $4,236-33.7% | $5,417-48.1% | $4,645-39.5% |