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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 | $40,985 | $72,492-43.5% | $87,102-52.9% | $72,983-43.8% |
| Participation rate | 50.9% | 72.8%-21.9pp | 76.9%-25.9pp | 69.5%-18.5pp |
| Annual return | 20.93% | 24.46%-3.5pp | 28.19%-7.3pp | 81.01%-60.1pp |
| Employer contribution / active EE | $282 | $1,894-85.1% | $2,521-88.8% | $2,440-88.5% |
| Participant deferral / active EE | $2,686 | $3,270-17.8% | $4,048-33.6% | $3,608-25.5% |
| Admin fee / account holder | $8,419 | $5,055+66.6% | $7,491+12.4% | $5,124+64.3% |