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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 | $38,135 | $73,978-48.5% | $96,515-60.5% | $75,173-49.3% |
| Participation rate | 39.7% | 66.4%-26.8pp | 74.3%-34.7pp | 67.2%-27.5pp |
| Annual return | 15.47% | 26.72%-11.3pp | 35.73%-20.3pp | 160.72%-145.3pp |
| Employer contribution / active EE | $295 | $2,931-89.9% | $3,740-92.1% | $2,671-89.0% |
| Participant deferral / active EE | $1,674 | $3,660-54.3% | $4,880-65.7% | $4,126-59.4% |
| Admin fee / account holder | $2,041 | $5,219-60.9% | $6,735-69.7% | $5,651-63.9% |