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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 | $42,373 | $67,602-37.3% | $82,312-48.5% | $70,126-39.6% |
| Participation rate | 48.2% | 72.8%-24.6pp | 76.9%-28.7pp | 69.5%-21.3pp |
| Annual return | 15.46% | 21.57%-6.1pp | 25.88%-10.4pp | 73.15%-57.7pp |
| Employer contribution / active EE | $120 | $1,755-93.2% | $2,428-95.1% | $2,343-94.9% |
| Participant deferral / active EE | $2,461 | $2,987-17.6% | $3,706-33.6% | $3,332-26.1% |
| Admin fee / account holder | $11,026 | $4,512+144.4% | $5,608+96.6% | $4,645+137.4% |