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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 | $43,978 | $72,027-38.9% | $185,861-76.3% | $79,856-44.9% |
| Participation rate | 54.0% | 65.8%-11.8pp | 78.0%-24.0pp | 69.6%-15.6pp |
| Annual return | 13.34% | 23.13%-9.8pp | 35.96%-22.6pp | 31.71%-18.4pp |
| Employer contribution / active EE | $124 | $1,965-93.7% | $4,088-97.0% | $2,471-95.0% |
| Participant deferral / active EE | $3,087 | $3,780-18.3% | $5,634-45.2% | $3,741-17.5% |
| Admin fee / account holder | $448 | $4,513-90.1% | $9,503-95.3% | $5,306-91.6% |