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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 | $48,045 | $67,606-28.9% | $82,313-41.6% | $70,124-31.5% |
| Participation rate | 35.6% | 72.8%-37.2pp | 76.9%-41.3pp | 69.5%-33.9pp |
| Annual return | 21.11% | 21.57%-0.5pp | 25.88%-4.8pp | 73.14%-52.0pp |
| Employer contribution / active EE | $47 | $1,755-97.3% | $2,428-98.1% | $2,342-98.0% |
| Participant deferral / active EE | $1,410 | $2,987-52.8% | $3,706-62.0% | $3,332-57.7% |
| Admin fee / account holder | $1,546 | $4,512-65.7% | $5,608-72.4% | $4,645-66.7% |