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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 | $28,001 | $52,678-46.8% | $75,784-63.1% | $59,633-53.0% |
| Participation rate | 56.0% | 67.2%-11.2pp | 75.8%-19.8pp | 68.7%-12.7pp |
| Annual return | -1.09% | 2.95%-4.0pp | 9.68%-10.8pp | 2041.40%-2042.5pp |
| Employer contribution / active EE | $279 | $2,193-87.3% | $3,323-91.6% | $2,203-87.3% |
| Participant deferral / active EE | $2,082 | $2,591-19.6% | $3,652-43.0% | $3,192-34.8% |
| Admin fee / account holder | $1,101 | $3,610-69.5% | $5,300-79.2% | $4,297-74.4% |