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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 | $45,968 | $72,177-36.3% | $115,037-60.0% | $59,632-22.9% |
| Participation rate | 53.7% | 72.6%-18.9pp | 81.4%-27.7pp | 68.7%-15.0pp |
| Annual return | -1.97% | 12.02%-14.0pp | 26.14%-28.1pp | 2041.32%-2043.3pp |
| Employer contribution / active EE | $431 | $2,841-84.8% | $4,608-90.6% | $2,203-80.4% |
| Participant deferral / active EE | $4,433 | $4,783-7.3% | $6,026-26.4% | $3,192+38.9% |
| Admin fee / account holder | $536 | $4,927-89.1% | $8,175-93.4% | $4,297-87.5% |