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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 | $41,612 | $73,787-43.6% | $98,716-57.8% | $82,448-49.5% |
| Participation rate | 43.8% | 61.4%-17.7pp | 69.3%-25.5pp | 68.1%-24.3pp |
| Annual return | 14.99% | 18.57%-3.6pp | 31.81%-16.8pp | 41.64%-26.7pp |
| Employer contribution / active EE | $272 | $1,511-82.0% | $2,279-88.0% | $2,551-89.3% |
| Participant deferral / active EE | $1,841 | $3,081-40.3% | $4,048-54.5% | $4,139-55.5% |
| Admin fee / account holder | $1,475 | $6,500-77.3% | $8,703-83.0% | $7,234-79.6% |