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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 | $47,005 | $71,873-34.6% | $86,698-45.8% | $68,490-31.4% |
| Participation rate | 49.0% | 72.2%-23.3pp | 76.6%-27.6pp | 67.9%-18.9pp |
| Annual return | -17.24% | 3.54%-20.8pp | 35.96%-53.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $335 | $2,173-84.6% | $2,837-88.2% | $2,597-87.1% |
| Participant deferral / active EE | $1,857 | $3,779-50.9% | $4,656-60.1% | $4,028-53.9% |
| Admin fee / account holder | $15,154 | $6,110+148.0% | $7,492+102.3% | $5,403+180.5% |