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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 | $38,830 | $83,090-53.3% | $130,062-70.1% | $71,529-45.7% |
| Participation rate | 46.1% | 74.1%-28.1pp | 78.5%-32.5pp | 67.9%-21.9pp |
| Annual return | 15.50% | 20.61%-5.1pp | -137.37%+152.9pp | 28.97%-13.5pp |
| Employer contribution / active EE | $337 | $2,624-87.2% | $4,322-92.2% | $2,590-87.0% |
| Participant deferral / active EE | $2,671 | $4,436-39.8% | $5,821-54.1% | $4,291-37.8% |
| Admin fee / account holder | $1,559 | $1,727-9.7% | $10,601-85.3% | $1,588-1.9% |