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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 | $41,248 | $80,992-49.1% | $96,534-57.3% | $75,173-45.1% |
| Participation rate | 40.8% | 71.8%-31.0pp | 76.0%-35.2pp | 67.2%-26.4pp |
| Annual return | 14.53% | 27.05%-12.5pp | 25.88%-11.4pp | 160.72%-146.2pp |
| Employer contribution / active EE | $523 | $2,283-77.1% | $2,965-82.4% | $2,671-80.4% |
| Participant deferral / active EE | $1,869 | $3,929-52.4% | $4,851-61.5% | $4,126-54.7% |
| Admin fee / account holder | $2,970 | $6,717-55.8% | $8,253-64.0% | $5,651-47.4% |