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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 | $46,883 | $81,358-42.4% | $155,556-69.9% | $80,959-42.1% |
| Participation rate | 37.7% | 66.3%-28.6pp | 78.2%-40.6pp | 67.7%-30.0pp |
| Annual return | 12.20% | 33.39%-21.2pp | 64.84%-52.6pp | 35.67%-23.5pp |
| Employer contribution / active EE | $334 | $3,106-89.3% | $4,675-92.9% | $2,757-87.9% |
| Participant deferral / active EE | $2,000 | $3,455-42.1% | $5,631-64.5% | $4,300-53.5% |
| Admin fee / account holder | $6,459 | $7,994-19.2% | $15,885-59.3% | $6,925-6.7% |