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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 | $106,524-59.8% | $152,301-71.9% | $87,485-51.0% |
| Participation rate | 44.7% | 75.8%-31.1pp | 82.4%-37.8pp | 68.9%-24.3pp |
| Annual return | 22.84% | 26.89%-4.0pp | 80.50%-57.7pp | 26.06%-3.2pp |
| Employer contribution / active EE | $467 | $3,371-86.2% | $4,624-89.9% | $2,596-82.0% |
| Participant deferral / active EE | $2,741 | $6,525-58.0% | $8,004-65.8% | $4,274-35.9% |
| Admin fee / account holder | $3,864 | $8,287-53.4% | $14,398-73.2% | $7,775-50.3% |