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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 | $42,064 | $58,099-27.6% | $76,902-45.3% | $75,177-44.0% |
| Participation rate | 42.4% | 63.9%-21.5pp | 69.6%-27.2pp | 67.2%-24.8pp |
| Annual return | 19.65% | 26.71%-7.1pp | 37.91%-18.3pp | 160.75%-141.1pp |
| Employer contribution / active EE | $124 | $1,996-93.8% | $2,534-95.1% | $2,671-95.4% |
| Participant deferral / active EE | $991 | $2,999-66.9% | $3,833-74.1% | $4,126-76.0% |
| Admin fee / account holder | $1,961 | $4,778-59.0% | $5,479-64.2% | $5,651-65.3% |