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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 | $74,535-44.2% | $100,712-58.7% | $82,637-49.6% |
| Participation rate | 43.8% | 61.2%-17.4pp | 69.3%-25.5pp | 68.1%-24.3pp |
| Annual return | 14.99% | 18.92%-3.9pp | 33.27%-18.3pp | 53.51%-38.5pp |
| Employer contribution / active EE | $272 | $1,503-81.9% | $2,313-88.2% | $2,552-89.3% |
| Participant deferral / active EE | $1,841 | $3,074-40.1% | $4,085-54.9% | $4,126-55.4% |
| Admin fee / account holder | $1,475 | $6,576-77.6% | $9,256-84.1% | $7,339-79.9% |