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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 | $94,475 | $52,678+79.3% | $75,782+24.7% | $59,632+58.4% |
| Participation rate | 38.0% | 67.2%-29.2pp | 75.8%-37.8pp | 68.7%-30.7pp |
| Annual return | -1.01% | 2.95%-4.0pp | 9.68%-10.7pp | 2041.32%-2042.3pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,611 | $2,591+0.8% | $3,652-28.5% | $3,192-18.2% |
| Admin fee / account holder | $1,259 | $3,610-65.1% | $5,300-76.2% | $4,297-70.7% |