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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 | $42,743 | $71,215-40.0% | $93,696-54.4% | $80,935-47.2% |
| Participation rate | 36.5% | 60.4%-23.9pp | 68.7%-32.2pp | 67.7%-31.1pp |
| Annual return | 17.19% | 11.27%+5.9pp | 133.74%-116.6pp | 35.66%-18.5pp |
| Employer contribution / active EE | $334 | $1,565-78.6% | $2,422-86.2% | $2,757-87.9% |
| Participant deferral / active EE | $2,424 | $4,037-40.0% | $4,417-45.1% | $4,299-43.6% |
| Admin fee / account holder | $831 | $6,958-88.1% | $8,287-90.0% | $6,924-88.0% |