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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 | $39,095 | $111,535-64.9% | $105,223-62.8% | $137,256-71.5% |
| Participation rate | 46.2% | 78.1%-31.9pp | 75.0%-28.9pp | 80.0%-33.8pp |
| Annual return | 17.10% | 237.85%-220.8pp | 180.65%-163.5pp | 220.34%-203.2pp |
| Employer contribution / active EE | $312 | $3,939-92.1% | $3,689-91.5% | $4,156-92.5% |
| Participant deferral / active EE | $2,863 | $5,500-47.9% | $5,072-43.5% | $6,407-55.3% |
| Admin fee / account holder | $384 | $9,721-96.0% | $8,859-95.7% | $12,270-96.9% |