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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 | $46,195 | $85,515-46.0% | $112,040-58.8% | $67,986-32.1% |
| Participation rate | 50.9% | 68.2%-17.3pp | 76.5%-25.5pp | 57.2%-6.3pp |
| Annual return | 14.74% | 29.68%-14.9pp | 24.52%-9.8pp | 31.67%-16.9pp |
| Employer contribution / active EE | $398 | $2,191-81.8% | $2,954-86.5% | $2,019-80.3% |
| Participant deferral / active EE | $2,302 | $4,014-42.6% | $5,098-54.8% | $3,358-31.4% |
| Admin fee / account holder | $1,472 | $3,774-61.0% | $12,098-87.8% | $3,203-54.0% |