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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 | $60,466 | $69,977-13.6% | $108,582-44.3% | $62,881-3.8% |
| Participation rate | 59.5% | 72.9%-13.4pp | 79.6%-20.0pp | 69.3%-9.8pp |
| Annual return | 6.73% | 10.73%-4.0pp | -51.70%+58.4pp | 20.14%-13.4pp |
| Employer contribution / active EE | $348 | $2,135-83.7% | $3,758-90.8% | $2,281-84.8% |
| Participant deferral / active EE | $2,727 | $3,165-13.8% | $4,311-36.7% | $3,203-14.9% |
| Admin fee / account holder | $1,219 | $5,076-76.0% | $7,645-84.1% | $4,296-71.6% |