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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 | $33,009 | $72,177-54.3% | $115,038-71.3% | $59,633-44.6% |
| Participation rate | 45.7% | 72.6%-26.8pp | 81.4%-35.7pp | 68.7%-23.0pp |
| Annual return | -1.68% | 12.02%-13.7pp | 26.14%-27.8pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $355 | $2,841-87.5% | $4,608-92.3% | $2,203-83.9% |
| Participant deferral / active EE | $2,395 | $4,783-49.9% | $6,026-60.3% | $3,192-25.0% |
| Admin fee / account holder | $13,374 | $4,927+171.5% | $8,175+63.6% | $4,297+211.3% |