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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 | $48,811 | $57,073-14.5% | $85,126-42.7% | $80,925-39.7% |
| Participation rate | 26.9% | 56.4%-29.5pp | 67.5%-40.6pp | 67.7%-40.7pp |
| Annual return | 21.24% | 21.69%-0.5pp | 66.63%-45.4pp | 35.65%-14.4pp |
| Employer contribution / active EE | $186 | $1,801-89.7% | $2,731-93.2% | $2,756-93.2% |
| Participant deferral / active EE | $1,357 | $3,113-56.4% | $4,523-70.0% | $4,299-68.4% |
| Admin fee / account holder | $1,048 | $4,988-79.0% | $6,160-83.0% | $6,940-84.9% |