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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 | $38,002 | $77,896-51.2% | $134,172-71.7% | $82,448-53.9% |
| Participation rate | 47.1% | 62.8%-15.7pp | 72.5%-25.4pp | 68.1%-21.0pp |
| Annual return | 16.86% | 18.21%-1.4pp | 25.30%-8.4pp | 41.64%-24.8pp |
| Employer contribution / active EE | $544 | $2,159-74.8% | $3,420-84.1% | $2,551-78.7% |
| Participant deferral / active EE | $2,703 | $3,162-14.5% | $4,690-42.4% | $4,139-34.7% |
| Admin fee / account holder | $376 | $6,336-94.1% | $12,016-96.9% | $7,234-94.8% |