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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 | $23,716 | $72,269-67.2% | $101,271-76.6% | $79,852-70.3% |
| Participation rate | 45.8% | 68.5%-22.6pp | 75.8%-30.0pp | 69.6%-23.8pp |
| Annual return | 21.21% | 22.29%-1.1pp | 46.48%-25.3pp | 31.72%-10.5pp |
| Employer contribution / active EE | $263 | $2,692-90.2% | $3,660-92.8% | $2,471-89.4% |
| Participant deferral / active EE | $2,086 | $3,282-36.4% | $4,371-52.3% | $3,740-44.2% |
| Admin fee / account holder | $605 | $4,401-86.3% | $5,948-89.8% | $5,306-88.6% |