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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 | $62,719 | $67,411-7.0% | $91,004-31.1% | $70,124-10.6% |
| Participation rate | 53.0% | 71.4%-18.3pp | 75.6%-22.6pp | 69.5%-16.5pp |
| Annual return | 15.33% | -40.16%+55.5pp | 4.60%+10.7pp | 73.14%-57.8pp |
| Employer contribution / active EE | $161 | $1,786-91.0% | $2,456-93.5% | $2,342-93.1% |
| Participant deferral / active EE | $1,607 | $2,823-43.1% | $3,548-54.7% | $3,332-51.8% |
| Admin fee / account holder | $1,285 | $4,236-69.7% | $5,417-76.3% | $4,645-72.3% |