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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 | $38,973 | $78,672-50.5% | $109,163-64.3% | $85,856-54.6% |
| Participation rate | 55.0% | 68.3%-13.3pp | 75.9%-20.9pp | 69.3%-14.3pp |
| Annual return | 12.91% | 25.09%-12.2pp | 25.75%-12.8pp | 318.58%-305.7pp |
| Employer contribution / active EE | $276 | $2,734-89.9% | $3,723-92.6% | $2,565-89.3% |
| Participant deferral / active EE | $1,949 | $3,467-43.8% | $4,654-58.1% | $3,952-50.7% |
| Admin fee / account holder | $3,152 | $5,470-42.4% | $6,754-53.3% | $6,261-49.7% |