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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 | $41,644 | $52,678-20.9% | $75,782-45.0% | $59,632-30.2% |
| Participation rate | 44.8% | 67.2%-22.4pp | 75.8%-31.0pp | 68.7%-23.8pp |
| Annual return | -2.62% | 2.95%-5.6pp | 9.68%-12.3pp | 2041.32%-2043.9pp |
| Employer contribution / active EE | $210 | $2,193-90.4% | $3,323-93.7% | $2,203-90.5% |
| Participant deferral / active EE | $1,308 | $2,591-49.5% | $3,652-64.2% | $3,192-59.0% |
| Admin fee / account holder | $2,808 | $3,610-22.2% | $5,300-47.0% | $4,297-34.7% |