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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 | $40,164 | $91,179-56.0% | $178,499-77.5% | $79,852-49.7% |
| Participation rate | 38.2% | 69.2%-31.0pp | 81.9%-43.7pp | 69.6%-31.4pp |
| Annual return | 14.97% | 24.19%-9.2pp | 151.10%-136.1pp | 31.72%-16.7pp |
| Employer contribution / active EE | $278 | $3,256-91.5% | $5,011-94.5% | $2,471-88.8% |
| Participant deferral / active EE | $1,652 | $3,236-49.0% | $5,202-68.2% | $3,740-55.8% |
| Admin fee / account holder | $4,645 | $6,749-31.2% | $13,986-66.8% | $5,306-12.5% |