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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 | $42,645 | $54,541-21.8% | $78,778-45.9% | $70,124-39.2% |
| Participation rate | 58.2% | 60.8%-2.6pp | 69.2%-11.0pp | 69.5%-11.3pp |
| Annual return | 17.57% | 21.07%-3.5pp | 35.62%-18.0pp | 73.14%-55.6pp |
| Employer contribution / active EE | $150 | $1,089-86.2% | $1,986-92.4% | $2,342-93.6% |
| Participant deferral / active EE | $1,945 | $2,210-12.0% | $2,958-34.2% | $3,332-41.6% |
| Admin fee / account holder | $7,934 | $3,709+113.9% | $5,134+54.5% | $4,645+70.8% |