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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 | $40,918 | $86,919-52.9% | $102,457-60.1% | $80,911-49.4% |
| Participation rate | 44.2% | 72.4%-28.1pp | 76.5%-32.3pp | 67.6%-23.4pp |
| Annual return | 12.65% | 18.90%-6.2pp | 29.41%-16.8pp | 35.63%-23.0pp |
| Employer contribution / active EE | $336 | $2,368-85.8% | $3,022-88.9% | $2,756-87.8% |
| Participant deferral / active EE | $2,322 | $4,119-43.6% | $5,054-54.1% | $4,297-46.0% |
| Admin fee / account holder | $844 | $8,049-89.5% | $9,451-91.1% | $6,935-87.8% |