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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 | $51,082 | $72,404-29.4% | $110,241-53.7% | $64,181-20.4% |
| Participation rate | 37.1% | 73.3%-36.2pp | 79.8%-42.7pp | 69.6%-32.4pp |
| Annual return | -2.20% | -6.29%+4.1pp | 314.75%-316.9pp | 7.63%-9.8pp |
| Employer contribution / active EE | $384 | $2,282-83.2% | $3,827-90.0% | $2,381-83.9% |
| Participant deferral / active EE | $2,482 | $3,469-28.4% | $4,672-46.9% | $3,470-28.5% |
| Admin fee / account holder | $20,198 | $5,664+256.6% | $8,548+136.3% | $4,887+313.3% |