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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 | $49,245 | $77,816-36.7% | $123,549-60.1% | $64,181-23.3% |
| Participation rate | 65.9% | 74.7%-8.8pp | 82.3%-16.4pp | 69.6%-3.7pp |
| Annual return | -7.25% | 12.49%-19.7pp | 119.20%-126.4pp | 7.63%-14.9pp |
| Employer contribution / active EE | $23 | $3,014-99.2% | $4,628-99.5% | $2,381-99.0% |
| Participant deferral / active EE | $6,227 | $5,240+18.8% | $6,426-3.1% | $3,470+79.5% |
| Admin fee / account holder | $11,529 | $5,519+108.9% | $9,284+24.2% | $4,887+135.9% |