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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 | $28,765 | $78,428-63.3% | $95,960-70.0% | $79,852-64.0% |
| Participation rate | 47.4% | 73.5%-26.1pp | 77.1%-29.7pp | 69.6%-22.3pp |
| Annual return | 11.49% | 19.37%-7.9pp | 91.63%-80.1pp | 31.72%-20.2pp |
| Employer contribution / active EE | $404 | $1,945-79.2% | $2,541-84.1% | $2,471-83.6% |
| Participant deferral / active EE | $1,772 | $3,440-48.5% | $4,167-57.5% | $3,740-52.6% |
| Admin fee / account holder | $910 | $5,622-83.8% | $6,797-86.6% | $5,306-82.8% |