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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 | $35,808 | $72,177-50.4% | $115,037-68.9% | $59,632-40.0% |
| Participation rate | 47.2% | 72.6%-25.4pp | 81.4%-34.2pp | 68.7%-21.5pp |
| Annual return | -1.69% | 12.02%-13.7pp | 26.14%-27.8pp | 2041.32%-2043.0pp |
| Employer contribution / active EE | $185 | $2,841-93.5% | $4,608-96.0% | $2,203-91.6% |
| Participant deferral / active EE | $3,666 | $4,783-23.3% | $6,026-39.2% | $3,192+14.9% |
| Admin fee / account holder | $2,274 | $4,927-53.8% | $8,175-72.2% | $4,297-47.1% |