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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 | $46,911 | $72,269-35.1% | $101,271-53.7% | $79,852-41.3% |
| Participation rate | 56.3% | 68.5%-12.2pp | 75.8%-19.6pp | 69.6%-13.4pp |
| Annual return | 14.15% | 22.29%-8.1pp | 46.48%-32.3pp | 31.72%-17.6pp |
| Employer contribution / active EE | $102 | $2,692-96.2% | $3,660-97.2% | $2,471-95.9% |
| Participant deferral / active EE | $2,538 | $3,282-22.7% | $4,371-41.9% | $3,740-32.1% |
| Admin fee / account holder | $589 | $4,401-86.6% | $5,948-90.1% | $5,306-88.9% |