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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 | $37,730 | $65,704-42.6% | $94,229-60.0% | $59,633-36.7% |
| Participation rate | 40.4% | 72.1%-31.7pp | 78.8%-38.3pp | 68.7%-28.2pp |
| Annual return | -2.03% | 5.22%-7.3pp | 10.68%-12.7pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $341 | $2,021-83.1% | $3,587-90.5% | $2,203-84.5% |
| Participant deferral / active EE | $1,919 | $3,143-38.9% | $4,320-55.6% | $3,192-39.9% |
| Admin fee / account holder | $685 | $4,265-83.9% | $6,269-89.1% | $4,297-84.1% |