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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 | $41,115 | $63,703-35.5% | $93,063-55.8% | $82,448-50.1% |
| Participation rate | 49.3% | 63.8%-14.6pp | 72.1%-22.9pp | 68.1%-18.8pp |
| Annual return | 16.61% | -775.43%+792.0pp | 34.15%-17.5pp | 41.64%-25.0pp |
| Employer contribution / active EE | $118 | $1,729-93.2% | $2,476-95.2% | $2,551-95.4% |
| Participant deferral / active EE | $2,117 | $2,919-27.5% | $3,958-46.5% | $4,139-48.9% |
| Admin fee / account holder | $4,292 | $5,982-28.2% | $6,033-28.9% | $7,234-40.7% |