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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 | $42,057 | $60,349-30.3% | $74,184-43.3% | $62,881-33.1% |
| Participation rate | 41.8% | 72.7%-30.9pp | 76.6%-34.8pp | 69.3%-27.5pp |
| Annual return | 15.78% | 21.38%-5.6pp | 17.74%-2.0pp | 20.14%-4.4pp |
| Employer contribution / active EE | $178 | $1,680-89.4% | $2,370-92.5% | $2,281-92.2% |
| Participant deferral / active EE | $1,519 | $2,856-46.8% | $3,550-57.2% | $3,203-52.6% |
| Admin fee / account holder | $19,768 | $4,261+363.9% | $5,586+253.9% | $4,296+360.2% |