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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 | $39,388 | $83,485-52.8% | $125,180-68.5% | $72,983-46.0% |
| Participation rate | 41.8% | 73.3%-31.5pp | 79.8%-38.0pp | 69.5%-27.7pp |
| Annual return | 21.54% | 25.78%-4.2pp | 43.79%-22.3pp | 81.01%-59.5pp |
| Employer contribution / active EE | $540 | $2,346-77.0% | $3,866-86.0% | $2,440-77.9% |
| Participant deferral / active EE | $2,925 | $3,586-18.4% | $4,937-40.7% | $3,608-18.9% |
| Admin fee / account holder | $351 | $5,518-93.6% | $9,703-96.4% | $5,124-93.1% |