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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 | $55,261 | $65,704-15.9% | $94,229-41.4% | $59,633-7.3% |
| Participation rate | 42.4% | 72.1%-29.7pp | 78.8%-36.4pp | 68.7%-26.3pp |
| Annual return | -2.20% | 5.22%-7.4pp | 10.68%-12.9pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $359 | $2,021-82.3% | $3,587-90.0% | $2,203-83.7% |
| Participant deferral / active EE | $3,339 | $3,143+6.2% | $4,320-22.7% | $3,192+4.6% |
| Admin fee / account holder | $18,359 | $4,265+330.5% | $6,269+192.8% | $4,297+327.2% |