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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 | $40,015 | $65,027-38.5% | $90,970-56.0% | $79,852-49.9% |
| Participation rate | 55.9% | 61.6%-5.7pp | 69.0%-13.1pp | 69.6%-13.8pp |
| Annual return | 12.73% | 30.45%-17.7pp | 134.58%-121.9pp | 31.72%-19.0pp |
| Employer contribution / active EE | $164 | $1,247-86.9% | $2,122-92.3% | $2,471-93.4% |
| Participant deferral / active EE | $1,393 | $2,512-44.5% | $3,373-58.7% | $3,740-62.7% |
| Admin fee / account holder | $3,469 | $4,535-23.5% | $5,960-41.8% | $5,306-34.6% |