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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 | $47,367 | $95,453-50.4% | $112,040-57.7% | $82,448-42.5% |
| Participation rate | 42.7% | 72.8%-30.1pp | 76.5%-33.8pp | 68.1%-25.4pp |
| Annual return | 17.66% | 23.92%-6.3pp | 24.52%-6.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $446 | $2,318-80.7% | $2,954-84.9% | $2,551-82.5% |
| Participant deferral / active EE | $2,413 | $4,224-42.9% | $5,098-52.7% | $4,139-41.7% |
| Admin fee / account holder | $767 | $9,013-91.5% | $12,098-93.7% | $7,234-89.4% |