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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 | $47,838 | $52,580-9.0% | $71,671-33.3% | $70,126-31.8% |
| Participation rate | 29.3% | 60.9%-31.5pp | 68.7%-39.4pp | 69.5%-40.2pp |
| Annual return | 48.67% | 20.25%+28.4pp | 20.65%+28.0pp | 73.15%-24.5pp |
| Employer contribution / active EE | $167 | $1,616-89.6% | $2,460-93.2% | $2,343-92.9% |
| Participant deferral / active EE | $1,397 | $2,386-41.5% | $3,438-59.4% | $3,332-58.1% |
| Admin fee / account holder | $6,124 | $3,653+67.7% | $5,558+10.2% | $4,645+31.8% |