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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 | $36,452 | $67,411-45.9% | $91,004-59.9% | $70,124-48.0% |
| Participation rate | 61.2% | 71.4%-10.2pp | 75.6%-14.4pp | 69.5%-8.3pp |
| Annual return | 16.42% | -40.16%+56.6pp | 4.60%+11.8pp | 73.14%-56.7pp |
| Employer contribution / active EE | $303 | $1,786-83.1% | $2,456-87.7% | $2,342-87.1% |
| Participant deferral / active EE | $2,488 | $2,823-11.8% | $3,548-29.9% | $3,332-25.3% |
| Admin fee / account holder | $3,206 | $4,236-24.3% | $5,417-40.8% | $4,645-31.0% |