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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 | $35,470 | $70,002-49.3% | $115,038-69.2% | $52,331-32.2% |
| Participation rate | 51.5% | 72.1%-20.6pp | 81.4%-29.9pp | 68.1%-16.6pp |
| Annual return | -0.15% | 4.04%-4.2pp | 26.14%-26.3pp | 4.54%-4.7pp |
| Employer contribution / active EE | $267 | $2,715-90.1% | $4,608-94.2% | $1,882-85.8% |
| Participant deferral / active EE | $2,776 | $4,920-43.6% | $6,026-53.9% | $3,022-8.2% |
| Admin fee / account holder | $2,470 | $566+336.3% | $8,175-69.8% | $592+317.5% |