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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 | $43,216 | $72,177-40.1% | $115,038-62.4% | $59,633-27.5% |
| Participation rate | 59.3% | 72.6%-13.3pp | 81.4%-22.1pp | 68.7%-9.4pp |
| Annual return | 0.70% | 12.02%-11.3pp | 26.14%-25.4pp | 2041.45%-2040.8pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,492 | $4,783+14.8% | $6,026-8.9% | $3,192+72.1% |
| Admin fee / account holder | $547 | $4,927-88.9% | $8,175-93.3% | $4,297-87.3% |