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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 | $55,560 | $72,177-23.0% | $115,038-51.7% | $59,633-6.8% |
| Participation rate | 51.4% | 72.6%-21.1pp | 81.4%-29.9pp | 68.7%-17.2pp |
| Annual return | -1.88% | 12.02%-13.9pp | 26.14%-28.0pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $99 | $2,841-96.5% | $4,608-97.8% | $2,203-95.5% |
| Participant deferral / active EE | $4,330 | $4,783-9.5% | $6,026-28.2% | $3,192+35.7% |
| Admin fee / account holder | $3,570 | $4,927-27.5% | $8,175-56.3% | $4,297-16.9% |