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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 | $47,042 | $57,108-17.6% | $94,228-50.1% | $52,331-10.1% |
| Participation rate | 42.9% | 72.9%-30.1pp | 78.8%-35.9pp | 68.1%-25.2pp |
| Annual return | -1.43% | 1.47%-2.9pp | 10.68%-12.1pp | 4.54%-6.0pp |
| Employer contribution / active EE | $428 | $1,735-75.4% | $3,587-88.1% | $1,882-77.3% |
| Participant deferral / active EE | $1,983 | $3,040-34.7% | $4,320-54.1% | $3,022-34.4% |
| Admin fee / account holder | $5,699 | $546+942.9% | $6,269-9.1% | $592+863.3% |