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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 | $47,728 | $58,627-18.6% | $76,735-37.8% | $82,448-42.1% |
| Participation rate | 11.8% | 63.2%-51.5pp | 69.5%-57.7pp | 68.1%-56.3pp |
| Annual return | 25.09% | 39.10%-14.0pp | 29.77%-4.7pp | 41.64%-16.6pp |
| Employer contribution / active EE | $232 | $1,729-86.6% | $2,454-90.5% | $2,551-90.9% |
| Participant deferral / active EE | $1,294 | $3,134-58.7% | $4,088-68.4% | $4,139-68.7% |
| Admin fee / account holder | $3,207 | $5,323-39.7% | $7,189-55.4% | $7,234-55.7% |