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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 | $45,491 | $51,222-11.2% | $70,544-35.5% | $75,173-39.5% |
| Participation rate | 44.4% | 61.0%-16.5pp | 68.4%-23.9pp | 67.2%-22.8pp |
| Annual return | 15.44% | 30.06%-14.6pp | 32.79%-17.4pp | 160.72%-145.3pp |
| Employer contribution / active EE | $307 | $1,827-83.2% | $2,976-89.7% | $2,671-88.5% |
| Participant deferral / active EE | $1,927 | $2,850-32.4% | $4,568-57.8% | $4,126-53.3% |
| Admin fee / account holder | $4,900 | $4,096+19.6% | $6,427-23.8% | $5,651-13.3% |