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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 | $47,582 | $69,977-32.0% | $108,582-56.2% | $62,881-24.3% |
| Participation rate | 46.2% | 72.9%-26.7pp | 79.6%-33.4pp | 69.3%-23.2pp |
| Annual return | 6.81% | 10.73%-3.9pp | -51.70%+58.5pp | 20.14%-13.3pp |
| Employer contribution / active EE | $137 | $2,135-93.6% | $3,758-96.4% | $2,281-94.0% |
| Participant deferral / active EE | $1,432 | $3,165-54.7% | $4,311-66.8% | $3,203-55.3% |
| Admin fee / account holder | $631 | $5,076-87.6% | $7,645-91.7% | $4,296-85.3% |