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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 | $51,648 | $70,430-26.7% | $96,572-46.5% | $85,851-39.8% |
| Participation rate | 44.2% | 61.8%-17.6pp | 69.8%-25.6pp | 69.3%-25.1pp |
| Annual return | 18.41% | 18.58%-0.2pp | 37.79%-19.4pp | 318.63%-300.2pp |
| Employer contribution / active EE | $205 | $1,413-85.5% | $2,357-91.3% | $2,565-92.0% |
| Participant deferral / active EE | $1,967 | $2,894-32.0% | $3,850-48.9% | $3,952-50.2% |
| Admin fee / account holder | $8,103 | $4,996+62.2% | $6,183+31.0% | $6,261+29.4% |