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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 | $78,315 | $72,177+8.5% | $115,038-31.9% | $59,633+31.3% |
| Participation rate | 61.4% | 72.6%-11.2pp | 81.4%-20.0pp | 68.7%-7.3pp |
| Annual return | -0.35% | 12.02%-12.4pp | 26.14%-26.5pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $400 | $2,841-85.9% | $4,608-91.3% | $2,203-81.9% |
| Participant deferral / active EE | $4,115 | $4,783-14.0% | $6,026-31.7% | $3,192+28.9% |
| Admin fee / account holder | $524 | $4,927-89.4% | $8,175-93.6% | $4,297-87.8% |