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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 | $49,557 | $52,678-5.9% | $75,784-34.6% | $59,633-16.9% |
| Participation rate | 46.2% | 67.2%-21.1pp | 75.8%-29.7pp | 68.7%-22.5pp |
| Annual return | -1.50% | 2.95%-4.5pp | 9.68%-11.2pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,843 | $2,591+9.7% | $3,652-22.1% | $3,192-10.9% |
| Admin fee / account holder | $989 | $3,610-72.6% | $5,300-81.3% | $4,297-77.0% |