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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 | $52,920 | $52,678+0.5% | $75,784-30.2% | $59,633-11.3% |
| Participation rate | 30.0% | 67.2%-37.2pp | 75.8%-45.8pp | 68.7%-38.7pp |
| Annual return | -0.73% | 2.95%-3.7pp | 9.68%-10.4pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $302 | $2,193-86.2% | $3,323-90.9% | $2,203-86.3% |
| Participant deferral / active EE | $1,531 | $2,591-40.9% | $3,652-58.1% | $3,192-52.0% |
| Admin fee / account holder | $13,608 | $3,610+277.0% | $5,300+156.8% | $4,297+216.7% |