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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 | $49,561 | $69,977-29.2% | $108,582-54.4% | $62,881-21.2% |
| Participation rate | 55.6% | 72.9%-17.3pp | 79.6%-24.0pp | 69.3%-13.7pp |
| Annual return | 13.68% | 10.73%+3.0pp | -51.70%+65.4pp | 20.14%-6.5pp |
| Employer contribution / active EE | $278 | $2,135-87.0% | $3,758-92.6% | $2,281-87.8% |
| Participant deferral / active EE | $3,701 | $3,165+16.9% | $4,311-14.2% | $3,203+15.5% |
| Admin fee / account holder | $1,241 | $5,076-75.6% | $7,645-83.8% | $4,296-71.1% |