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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 | $31,117 | $69,977-55.5% | $108,582-71.3% | $62,881-50.5% |
| Participation rate | 54.2% | 72.9%-18.7pp | 79.6%-25.4pp | 69.3%-15.1pp |
| Annual return | 5.59% | 10.73%-5.1pp | -51.70%+57.3pp | 20.14%-14.5pp |
| Employer contribution / active EE | $186 | $2,135-91.3% | $3,758-95.1% | $2,281-91.9% |
| Participant deferral / active EE | $2,078 | $3,165-34.3% | $4,311-51.8% | $3,203-35.1% |
| Admin fee / account holder | $2,840 | $5,076-44.1% | $7,645-62.9% | $4,296-33.9% |