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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 | $57,246 | $65,027-12.0% | $90,970-37.1% | $79,852-28.3% |
| Participation rate | 54.2% | 61.6%-7.4pp | 69.0%-14.8pp | 69.6%-15.4pp |
| Annual return | 16.85% | 30.45%-13.6pp | 134.58%-117.7pp | 31.72%-14.9pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,214 | $2,512+67.8% | $3,373+24.9% | $3,740+12.7% |
| Admin fee / account holder | $1,359 | $4,535-70.0% | $5,960-77.2% | $5,306-74.4% |