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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 | $43,011 | $67,411-36.2% | $91,004-52.7% | $70,126-38.7% |
| Participation rate | 56.6% | 71.4%-14.7pp | 75.6%-19.0pp | 69.5%-12.9pp |
| Annual return | 13.87% | -40.16%+54.0pp | 4.60%+9.3pp | 73.15%-59.3pp |
| Employer contribution / active EE | $296 | $1,786-83.4% | $2,456-87.9% | $2,343-87.4% |
| Participant deferral / active EE | $1,309 | $2,823-53.6% | $3,548-63.1% | $3,332-60.7% |
| Admin fee / account holder | $8,933 | $4,236+110.9% | $5,417+64.9% | $4,645+92.3% |