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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 | $45,788 | $47,944-4.5% | $67,834-32.5% | $62,881-27.2% |
| Participation rate | 34.7% | 61.1%-26.3pp | 68.8%-34.1pp | 69.3%-34.6pp |
| Annual return | 5.51% | 11.77%-6.3pp | 138.47%-133.0pp | 20.14%-14.6pp |
| Employer contribution / active EE | $30 | $1,562-98.1% | $2,403-98.8% | $2,281-98.7% |
| Participant deferral / active EE | $2,005 | $2,247-10.8% | $3,160-36.5% | $3,203-37.4% |
| Admin fee / account holder | $786 | $3,712-78.8% | $4,622-83.0% | $4,296-81.7% |