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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 | $38,090 | $76,551-50.2% | $123,894-69.3% | $62,881-39.4% |
| Participation rate | 49.1% | 73.0%-23.9pp | 81.4%-32.4pp | 69.3%-20.2pp |
| Annual return | 6.14% | 18.68%-12.5pp | 47.52%-41.4pp | 20.14%-14.0pp |
| Employer contribution / active EE | $198 | $2,882-93.1% | $4,617-95.7% | $2,281-91.3% |
| Participant deferral / active EE | $3,045 | $4,840-37.1% | $5,984-49.1% | $3,203-4.9% |
| Admin fee / account holder | $4,206 | $4,826-12.8% | $8,357-49.7% | $4,296-2.1% |