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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 | $45,287 | $69,444-34.8% | $92,985-51.3% | $87,485-48.2% |
| Participation rate | 43.8% | 63.3%-19.5pp | 69.5%-25.7pp | 68.9%-25.2pp |
| Annual return | 12.97% | 23.85%-10.9pp | 27.99%-15.0pp | 26.06%-13.1pp |
| Employer contribution / active EE | $256 | $1,917-86.7% | $2,662-90.4% | $2,596-90.2% |
| Participant deferral / active EE | $1,715 | $3,364-49.0% | $4,377-60.8% | $4,274-59.9% |
| Admin fee / account holder | $5,360 | $6,137-12.7% | $9,463-43.4% | $7,775-31.1% |