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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 | $45,156 | $62,672-27.9% | $185,117-75.6% | $70,126-35.6% |
| Participation rate | 25.0% | 63.8%-38.8pp | 77.3%-52.3pp | 69.5%-44.5pp |
| Annual return | 14.70% | 40.79%-26.1pp | 40.50%-25.8pp | 73.15%-58.4pp |
| Employer contribution / active EE | $170 | $1,753-90.3% | $4,182-95.9% | $2,343-92.8% |
| Participant deferral / active EE | $1,107 | $3,272-66.2% | $5,045-78.1% | $3,332-66.8% |
| Admin fee / account holder | $412 | $3,932-89.5% | $8,159-95.0% | $4,645-91.1% |