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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 | $46,003 | $51,222-10.2% | $70,544-34.8% | $75,173-38.8% |
| Participation rate | 15.4% | 61.0%-45.6pp | 68.4%-53.0pp | 67.2%-51.8pp |
| Annual return | 15.85% | 30.06%-14.2pp | 32.79%-16.9pp | 160.72%-144.9pp |
| Employer contribution / active EE | $271 | $1,827-85.2% | $2,976-90.9% | $2,671-89.9% |
| Participant deferral / active EE | $1,027 | $2,850-64.0% | $4,568-77.5% | $4,126-75.1% |
| Admin fee / account holder | $514 | $4,096-87.5% | $6,427-92.0% | $5,651-90.9% |