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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 | $68,065 | $69,977-2.7% | $108,582-37.3% | $62,881+8.2% |
| Participation rate | 44.7% | 72.9%-28.2pp | 79.6%-34.9pp | 69.3%-24.6pp |
| Annual return | 5.94% | 10.73%-4.8pp | -51.70%+57.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $349 | $2,135-83.7% | $3,758-90.7% | $2,281-84.7% |
| Participant deferral / active EE | $2,645 | $3,165-16.4% | $4,311-38.6% | $3,203-17.4% |
| Admin fee / account holder | $1,475 | $5,076-70.9% | $7,645-80.7% | $4,296-65.7% |