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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 | $27,537 | $56,054-50.9% | $171,082-83.9% | $62,881-56.2% |
| Participation rate | 46.4% | 62.9%-16.4pp | 76.7%-30.3pp | 69.3%-22.9pp |
| Annual return | 14.48% | 22.52%-8.0pp | 32.56%-18.1pp | 20.14%-5.7pp |
| Employer contribution / active EE | $245 | $1,731-85.8% | $4,002-93.9% | $2,281-89.3% |
| Participant deferral / active EE | $2,777 | $3,158-12.1% | $4,797-42.1% | $3,203-13.3% |
| Admin fee / account holder | $1,832 | $3,647-49.8% | $8,520-78.5% | $4,296-57.3% |