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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 | $45,860 | $78,428-41.5% | $95,960-52.2% | $79,852-42.6% |
| Participation rate | 60.7% | 73.5%-12.8pp | 77.1%-16.4pp | 69.6%-8.9pp |
| Annual return | 18.95% | 19.37%-0.4pp | 91.63%-72.7pp | 31.72%-12.8pp |
| Employer contribution / active EE | $344 | $1,945-82.3% | $2,541-86.5% | $2,471-86.1% |
| Participant deferral / active EE | $1,601 | $3,440-53.5% | $4,167-61.6% | $3,740-57.2% |
| Admin fee / account holder | $4,167 | $5,622-25.9% | $6,797-38.7% | $5,306-21.5% |