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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 | $41,675 | $77,814-46.4% | $158,223-73.7% | $86,983-52.1% |
| Participation rate | 22.0% | 68.4%-46.4pp | 79.2%-57.2pp | 69.5%-47.5pp |
| Annual return | 21.69% | 30.54%-8.8pp | 52.09%-30.4pp | 25.83%-4.1pp |
| Employer contribution / active EE | $215 | $2,592-91.7% | $4,109-94.8% | $2,584-91.7% |
| Participant deferral / active EE | $1,496 | $3,270-54.2% | $5,467-72.6% | $4,194-64.3% |
| Admin fee / account holder | $995 | $5,879-83.1% | $16,047-93.8% | $7,856-87.3% |