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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 | $40,551 | $101,798-60.2% | $165,071-75.4% | $80,935-49.9% |
| Participation rate | 37.2% | 71.8%-34.6pp | 78.6%-41.4pp | 67.7%-30.5pp |
| Annual return | 11.77% | 16.73%-5.0pp | 70.17%-58.4pp | 35.66%-23.9pp |
| Employer contribution / active EE | $160 | $2,954-94.6% | $4,347-96.3% | $2,757-94.2% |
| Participant deferral / active EE | $2,307 | $4,476-48.5% | $6,035-61.8% | $4,299-46.3% |
| Admin fee / account holder | $12,509 | $8,221+52.1% | $12,695-1.5% | $6,924+80.6% |