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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 | $49,132 | $77,896-36.9% | $134,172-63.4% | $82,448-40.4% |
| Participation rate | 44.1% | 62.8%-18.7pp | 72.5%-28.3pp | 68.1%-24.0pp |
| Annual return | 17.07% | 18.21%-1.1pp | 25.30%-8.2pp | 41.64%-24.6pp |
| Employer contribution / active EE | $482 | $2,159-77.7% | $3,420-85.9% | $2,551-81.1% |
| Participant deferral / active EE | $3,111 | $3,162-1.6% | $4,690-33.7% | $4,139-24.8% |
| Admin fee / account holder | $351 | $6,336-94.5% | $12,016-97.1% | $7,234-95.1% |