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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 | $43,070 | $91,198-52.8% | $178,503-75.9% | $79,856-46.1% |
| Participation rate | 50.0% | 69.2%-19.2pp | 81.9%-31.9pp | 69.6%-19.6pp |
| Annual return | 16.87% | 24.20%-7.3pp | 151.12%-134.2pp | 31.71%-14.8pp |
| Employer contribution / active EE | $64 | $3,257-98.0% | $5,011-98.7% | $2,471-97.4% |
| Participant deferral / active EE | $1,726 | $3,237-46.7% | $5,202-66.8% | $3,741-53.9% |
| Admin fee / account holder | $301 | $6,748-95.5% | $13,987-97.8% | $5,306-94.3% |