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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 | $57,604 | $72,273-20.3% | $101,275-43.1% | $79,856-27.9% |
| Participation rate | 41.6% | 68.5%-26.9pp | 75.8%-34.2pp | 69.6%-28.1pp |
| Annual return | 13.56% | 22.30%-8.7pp | 46.48%-32.9pp | 31.71%-18.1pp |
| Employer contribution / active EE | $204 | $2,691-92.4% | $3,660-94.4% | $2,471-91.7% |
| Participant deferral / active EE | $1,635 | $3,282-50.2% | $4,371-62.6% | $3,741-56.3% |
| Admin fee / account holder | $1,004 | $4,401-77.2% | $5,948-83.1% | $5,306-81.1% |