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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 | $41,517 | $56,110-26.0% | $94,993-56.3% | $70,126-40.8% |
| Participation rate | 40.0% | 65.0%-25.0pp | 73.9%-33.9pp | 69.5%-29.5pp |
| Annual return | 18.13% | 51.02%-32.9pp | 27.14%-9.0pp | 73.15%-55.0pp |
| Employer contribution / active EE | $226 | $1,442-84.3% | $2,603-91.3% | $2,343-90.4% |
| Participant deferral / active EE | $1,053 | $2,391-56.0% | $3,317-68.3% | $3,332-68.4% |
| Admin fee / account holder | $2,824 | $3,456-18.3% | $4,960-43.1% | $4,645-39.2% |