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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 | $46,711 | $77,638-39.8% | $156,551-70.2% | $62,881-25.7% |
| Participation rate | 13.8% | 71.2%-57.4pp | 84.0%-70.2pp | 69.3%-55.5pp |
| Annual return | 5.22% | 50.33%-45.1pp | 32.23%-27.0pp | 20.14%-14.9pp |
| Employer contribution / active EE | $314 | $3,444-90.9% | $5,501-94.3% | $2,281-86.2% |
| Participant deferral / active EE | $1,347 | $3,046-55.8% | $4,871-72.4% | $3,203-58.0% |
| Admin fee / account holder | $1,645 | $5,561-70.4% | $13,028-87.4% | $4,296-61.7% |