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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 | $38,963 | $65,364-40.4% | $92,909-58.1% | $72,975-46.6% |
| Participation rate | 56.5% | 68.3%-11.8pp | 76.0%-19.5pp | 69.5%-13.0pp |
| Annual return | 21.28% | 42.11%-20.8pp | 109.44%-88.2pp | 81.01%-59.7pp |
| Employer contribution / active EE | $259 | $2,594-90.0% | $3,653-92.9% | $2,440-89.4% |
| Participant deferral / active EE | $2,255 | $3,128-27.9% | $4,238-46.8% | $3,608-37.5% |
| Admin fee / account holder | $4,211 | $4,251-0.9% | $5,795-27.3% | $5,124-17.8% |