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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 | $44,614 | $68,880-35.2% | $120,580-63.0% | $80,959-44.9% |
| Participation rate | 26.4% | 61.7%-35.3pp | 72.0%-45.5pp | 67.7%-41.3pp |
| Annual return | 17.76% | 23.68%-5.9pp | 107.48%-89.7pp | 35.67%-17.9pp |
| Employer contribution / active EE | $311 | $2,066-85.0% | $3,469-91.0% | $2,757-88.7% |
| Participant deferral / active EE | $1,793 | $3,191-43.8% | $4,995-64.1% | $4,300-58.3% |
| Admin fee / account holder | $355 | $5,785-93.9% | $9,418-96.2% | $6,925-94.9% |