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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 | $22,856 | $73,102-68.7% | $123,552-81.5% | $56,287-59.4% |
| Participation rate | 47.5% | 74.3%-26.8pp | 82.3%-34.8pp | 69.9%-22.3pp |
| Annual return | -6.93% | 3.01%-9.9pp | 119.20%-126.1pp | -9.96%+3.0pp |
| Employer contribution / active EE | $365 | $2,977-87.7% | $4,628-92.1% | $2,111-82.7% |
| Participant deferral / active EE | $4,451 | $5,423-17.9% | $6,426-30.7% | $3,350+32.9% |
| Admin fee / account holder | $1,579 | $554+185.2% | $9,285-83.0% | $521+203.1% |