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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 | $47,764 | $122,131-60.9% | $625,211-92.4% | $122,131-60.9% |
| Participation rate | 36.2% | 75.1%-38.8pp | 68.5%-32.3pp | 75.1%-38.8pp |
| Annual return | 22.73% | 16.17%+6.6pp | -4.48%+27.2pp | 16.17%+6.6pp |
| Employer contribution / active EE | $360 | $3,608-90.0% | $5,469-93.4% | $3,608-90.0% |
| Participant deferral / active EE | $2,084 | $3,892-46.5% | $3,285-36.6% | $3,892-46.5% |
| Admin fee / account holder | $616 | $11,586-94.7% | $15,496-96.0% | $11,586-94.7% |