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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 | $48,662 | $53,777-9.5% | $134,155-63.7% | $79,858-39.1% |
| Participation rate | 38.9% | 58.8%-19.9pp | 72.2%-33.3pp | 69.6%-30.7pp |
| Annual return | 16.07% | 19.01%-2.9pp | 36.34%-20.3pp | 31.72%-15.6pp |
| Employer contribution / active EE | $75 | $1,321-94.3% | $3,705-98.0% | $2,471-97.0% |
| Participant deferral / active EE | $1,505 | $2,420-37.8% | $3,500-57.0% | $3,740-59.8% |
| Admin fee / account holder | $833 | $3,984-79.1% | $6,685-87.5% | $5,306-84.3% |