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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 | $54,694 | $52,678+3.8% | $75,784-27.8% | $59,633-8.3% |
| Participation rate | 23.4% | 67.2%-43.8pp | 75.8%-52.4pp | 68.7%-45.2pp |
| Annual return | -1.91% | 2.95%-4.9pp | 9.68%-11.6pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $311 | $2,193-85.8% | $3,323-90.7% | $2,203-85.9% |
| Participant deferral / active EE | $1,516 | $2,591-41.5% | $3,652-58.5% | $3,192-52.5% |
| Admin fee / account holder | $2,278 | $3,610-36.9% | $5,300-57.0% | $4,297-47.0% |