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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 | $46,350 | $51,222-9.5% | $70,544-34.3% | $75,173-38.3% |
| Participation rate | 40.6% | 61.0%-20.3pp | 68.4%-27.7pp | 67.2%-26.6pp |
| Annual return | 14.91% | 30.06%-15.1pp | 32.79%-17.9pp | 160.72%-145.8pp |
| Employer contribution / active EE | $300 | $1,827-83.6% | $2,976-89.9% | $2,671-88.8% |
| Participant deferral / active EE | $2,391 | $2,850-16.1% | $4,568-47.7% | $4,126-42.1% |
| Admin fee / account holder | $473 | $4,096-88.5% | $6,427-92.6% | $5,651-91.6% |