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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 | $29,498 | $70,002-57.9% | $115,038-74.4% | $52,331-43.6% |
| Participation rate | 55.8% | 72.1%-16.3pp | 81.4%-25.6pp | 68.1%-12.3pp |
| Annual return | 1.18% | 4.04%-2.9pp | 26.14%-25.0pp | 4.54%-3.4pp |
| Employer contribution / active EE | $240 | $2,715-91.1% | $4,608-94.8% | $1,882-87.2% |
| Participant deferral / active EE | $4,161 | $4,920-15.4% | $6,026-30.9% | $3,022+37.7% |
| Admin fee / account holder | $6,336 | $566+1019.4% | $8,175-22.5% | $592+971.0% |