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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 | $44,432 | $57,752-23.1% | $112,273-60.4% | $71,511-37.9% |
| Participation rate | 17.1% | 58.8%-41.7pp | 72.4%-55.3pp | 67.9%-50.8pp |
| Annual return | 23.51% | 18.25%+5.3pp | 30.23%-6.7pp | 28.86%-5.3pp |
| Employer contribution / active EE | $440 | $1,912-77.0% | $3,431-87.2% | $2,589-83.0% |
| Participant deferral / active EE | $1,236 | $2,860-56.8% | $4,800-74.2% | $4,291-71.2% |
| Admin fee / account holder | $905 | $1,586-42.9% | $7,752-88.3% | $1,588-43.0% |