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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 | $42,852 | $106,749-59.9% | $145,433-70.5% | $82,448-48.0% |
| Participation rate | 44.7% | 75.6%-31.0pp | 82.1%-37.4pp | 68.1%-23.4pp |
| Annual return | 22.84% | 27.59%-4.7pp | 66.58%-43.7pp | 41.64%-18.8pp |
| Employer contribution / active EE | $467 | $3,444-86.5% | $4,554-89.8% | $2,551-81.7% |
| Participant deferral / active EE | $2,741 | $6,519-57.9% | $7,897-65.3% | $4,139-33.8% |
| Admin fee / account holder | $3,864 | $8,390-53.9% | $13,129-70.6% | $7,234-46.6% |