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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 | $43,128 | $58,627-26.4% | $76,735-43.8% | $82,448-47.7% |
| Participation rate | 42.9% | 63.2%-20.4pp | 69.5%-26.6pp | 68.1%-25.2pp |
| Annual return | 13.12% | 39.10%-26.0pp | 29.77%-16.6pp | 41.64%-28.5pp |
| Employer contribution / active EE | $315 | $1,729-81.8% | $2,454-87.2% | $2,551-87.7% |
| Participant deferral / active EE | $2,393 | $3,134-23.6% | $4,088-41.5% | $4,139-42.2% |
| Admin fee / account holder | $6,618 | $5,323+24.3% | $7,189-7.9% | $7,234-8.5% |