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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 | $53,279 | $69,977-23.9% | $108,582-50.9% | $62,881-15.3% |
| Participation rate | 62.5% | 72.9%-10.4pp | 79.6%-17.1pp | 69.3%-6.8pp |
| Annual return | 5.04% | 10.73%-5.7pp | -51.70%+56.7pp | 20.14%-15.1pp |
| Employer contribution / active EE | $297 | $2,135-86.1% | $3,758-92.1% | $2,281-87.0% |
| Participant deferral / active EE | $1,643 | $3,165-48.1% | $4,311-61.9% | $3,203-48.7% |
| Admin fee / account holder | $2,098 | $5,076-58.7% | $7,645-72.6% | $4,296-51.2% |