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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 | $39,190 | $124,425-68.5% | $112,040-65.0% | $137,256-71.4% |
| Participation rate | 47.4% | 79.3%-31.9pp | 76.5%-29.1pp | 80.0%-32.6pp |
| Annual return | 17.13% | 24.72%-7.6pp | 24.52%-7.4pp | 220.34%-203.2pp |
| Employer contribution / active EE | $801 | $3,411-76.5% | $2,954-72.9% | $4,156-80.7% |
| Participant deferral / active EE | $2,185 | $5,718-61.8% | $5,098-57.1% | $6,407-65.9% |
| Admin fee / account holder | $3,775 | $15,207-75.2% | $12,098-68.8% | $12,270-69.2% |