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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 | $46,380 | $81,331-43.0% | $155,534-70.2% | $80,935-42.7% |
| Participation rate | 47.1% | 66.3%-19.2pp | 78.2%-31.2pp | 67.7%-20.6pp |
| Annual return | 12.00% | 33.37%-21.4pp | 64.92%-52.9pp | 35.66%-23.7pp |
| Employer contribution / active EE | $368 | $3,105-88.1% | $4,675-92.1% | $2,757-86.6% |
| Participant deferral / active EE | $1,887 | $3,454-45.4% | $5,630-66.5% | $4,299-56.1% |
| Admin fee / account holder | $4,481 | $7,999-44.0% | $15,900-71.8% | $6,924-35.3% |