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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 | $59,743 | $69,977-14.6% | $108,582-45.0% | $62,881-5.0% |
| Participation rate | 46.3% | 72.9%-26.6pp | 79.6%-33.2pp | 69.3%-23.0pp |
| Annual return | 7.46% | 10.73%-3.3pp | -51.70%+59.2pp | 20.14%-12.7pp |
| Employer contribution / active EE | $346 | $2,135-83.8% | $3,758-90.8% | $2,281-84.9% |
| Participant deferral / active EE | $1,695 | $3,165-46.4% | $4,311-60.7% | $3,203-47.1% |
| Admin fee / account holder | $858 | $5,076-83.1% | $7,645-88.8% | $4,296-80.0% |