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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 | $44,797 | $75,541-40.7% | $152,093-70.5% | $82,637-45.8% |
| Participation rate | 27.4% | 66.5%-39.1pp | 77.8%-50.3pp | 68.1%-40.6pp |
| Annual return | 18.78% | 32.56%-13.8pp | 66.36%-47.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $233 | $2,622-91.1% | $4,175-94.4% | $2,552-90.9% |
| Participant deferral / active EE | $1,682 | $3,206-47.5% | $5,451-69.1% | $4,126-59.2% |
| Admin fee / account holder | $4,428 | $6,405-30.9% | $14,497-69.5% | $7,339-39.7% |