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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 | $40,480 | $72,492-44.2% | $87,104-53.5% | $72,975-44.5% |
| Participation rate | 56.3% | 72.8%-16.5pp | 76.9%-20.6pp | 69.5%-13.2pp |
| Annual return | 22.99% | 24.46%-1.5pp | 28.19%-5.2pp | 81.01%-58.0pp |
| Employer contribution / active EE | $371 | $1,894-80.4% | $2,521-85.3% | $2,440-84.8% |
| Participant deferral / active EE | $1,611 | $3,270-50.7% | $4,048-60.2% | $3,608-55.4% |
| Admin fee / account holder | $582 | $5,055-88.5% | $7,491-92.2% | $5,124-88.6% |