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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 | $23,442 | $82,523-71.6% | $115,752-79.7% | $70,124-66.6% |
| Participation rate | 48.9% | 74.0%-25.1pp | 77.8%-28.8pp | 69.5%-20.6pp |
| Annual return | 20.88% | 28.22%-7.3pp | 19.41%+1.5pp | 73.14%-52.3pp |
| Employer contribution / active EE | $395 | $2,758-85.7% | $3,492-88.7% | $2,342-83.1% |
| Participant deferral / active EE | $2,064 | $4,062-49.2% | $5,204-60.3% | $3,332-38.1% |
| Admin fee / account holder | $3,450 | $4,552-24.2% | $6,278-45.0% | $4,645-25.7% |