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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 | $69,546 | $48,050+44.7% | $85,969-19.1% | $59,633+16.6% |
| Participation rate | 48.2% | 64.5%-16.3pp | 76.5%-28.3pp | 68.7%-20.5pp |
| Annual return | 1.25% | 0.29%+1.0pp | 9.32%-8.1pp | 2041.45%-2040.2pp |
| Employer contribution / active EE | $308 | $1,640-81.2% | $3,474-91.1% | $2,203-86.0% |
| Participant deferral / active EE | $1,519 | $2,249-32.5% | $3,829-60.3% | $3,192-52.4% |
| Admin fee / account holder | $6,264 | $3,206+95.4% | $6,053+3.5% | $4,297+45.8% |