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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 | $68,852-35.2% | $120,524-63.0% | $80,925-44.9% |
| Participation rate | 26.4% | 61.6%-35.2pp | 71.9%-45.5pp | 67.7%-41.2pp |
| Annual return | 17.76% | 23.67%-5.9pp | 107.36%-89.6pp | 35.65%-17.9pp |
| Employer contribution / active EE | $311 | $2,063-84.9% | $3,469-91.0% | $2,756-88.7% |
| Participant deferral / active EE | $1,793 | $3,187-43.7% | $4,994-64.1% | $4,299-58.3% |
| Admin fee / account holder | $355 | $5,781-93.9% | $9,440-96.2% | $6,940-94.9% |