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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 | $42,847 | $72,273-40.7% | $101,275-57.7% | $79,856-46.3% |
| Participation rate | 42.3% | 68.5%-26.2pp | 75.8%-33.6pp | 69.6%-27.4pp |
| Annual return | 16.27% | 22.30%-6.0pp | 46.48%-30.2pp | 31.71%-15.4pp |
| Employer contribution / active EE | $237 | $2,691-91.2% | $3,660-93.5% | $2,471-90.4% |
| Participant deferral / active EE | $1,617 | $3,282-50.7% | $4,371-63.0% | $3,741-56.8% |
| Admin fee / account holder | $696 | $4,401-84.2% | $5,948-88.3% | $5,306-86.9% |