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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 | $65,595 | $82,028-20.0% | $123,105-46.7% | $59,633+10.0% |
| Participation rate | 55.3% | 83.2%-27.9pp | 86.8%-31.5pp | 68.7%-13.4pp |
| Annual return | -0.93% | 5.12%-6.0pp | 13.22%-14.1pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $465 | $3,297-85.9% | $5,151-91.0% | $2,203-78.9% |
| Participant deferral / active EE | $4,647 | $4,667-0.4% | $6,229-25.4% | $3,192+45.6% |
| Admin fee / account holder | $13,204 | $5,879+124.6% | $9,014+46.5% | $4,297+207.3% |