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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 | $55,737 | $69,977-20.3% | $108,582-48.7% | $62,881-11.4% |
| Participation rate | 50.6% | 72.9%-22.3pp | 79.6%-29.0pp | 69.3%-18.7pp |
| Annual return | 9.29% | 10.73%-1.4pp | -51.70%+61.0pp | 20.14%-10.9pp |
| Employer contribution / active EE | $430 | $2,135-79.8% | $3,758-88.6% | $2,281-81.1% |
| Participant deferral / active EE | $3,195 | $3,165+1.0% | $4,311-25.9% | $3,203-0.3% |
| Admin fee / account holder | $2,071 | $5,076-59.2% | $7,645-72.9% | $4,296-51.8% |