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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 | $163,546 | $81,870+99.8% | $119,622+36.7% | $68,486+138.8% |
| Participation rate | 47.2% | 71.9%-24.7pp | 79.3%-32.0pp | 67.9%-20.7pp |
| Annual return | 0.50% | -23.82%+24.3pp | -14.98%+15.5pp | -7.85%+8.4pp |
| Employer contribution / active EE | $579 | $2,692-78.5% | $4,232-86.3% | $2,597-77.7% |
| Participant deferral / active EE | $4,242 | $4,148+2.3% | $5,601-24.3% | $4,028+5.3% |
| Admin fee / account holder | $3,339 | $6,583-49.3% | $10,328-67.7% | $5,404-38.2% |