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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 | $47,259 | $71,215-33.6% | $93,696-49.6% | $80,935-41.6% |
| Participation rate | 26.3% | 60.4%-34.1pp | 68.7%-42.4pp | 67.7%-41.3pp |
| Annual return | 13.81% | 11.27%+2.5pp | 133.74%-119.9pp | 35.66%-21.9pp |
| Employer contribution / active EE | $238 | $1,565-84.8% | $2,422-90.2% | $2,757-91.4% |
| Participant deferral / active EE | $2,049 | $4,037-49.2% | $4,417-53.6% | $4,299-52.3% |
| Admin fee / account holder | $2,915 | $6,958-58.1% | $8,287-64.8% | $6,924-57.9% |