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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 | $95,404-50.4% | $113,397-58.2% | $82,637-42.7% |
| Participation rate | 42.7% | 72.8%-30.2pp | 76.5%-33.8pp | 68.1%-25.4pp |
| Annual return | 17.66% | 19.08%-1.4pp | 23.20%-5.5pp | 53.51%-35.9pp |
| Employer contribution / active EE | $446 | $2,307-80.7% | $2,977-85.0% | $2,552-82.5% |
| Participant deferral / active EE | $2,413 | $4,220-42.8% | $5,076-52.5% | $4,126-41.5% |
| Admin fee / account holder | $767 | $9,168-91.6% | $11,957-93.6% | $7,339-89.5% |