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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 | $32,490 | $65,027-50.0% | $90,970-64.3% | $79,852-59.3% |
| Participation rate | 49.0% | 61.6%-12.6pp | 69.0%-20.0pp | 69.6%-20.6pp |
| Annual return | 21.75% | 30.45%-8.7pp | 134.58%-112.8pp | 31.72%-10.0pp |
| Employer contribution / active EE | $162 | $1,247-87.0% | $2,122-92.4% | $2,471-93.5% |
| Participant deferral / active EE | $2,448 | $2,512-2.6% | $3,373-27.4% | $3,740-34.6% |
| Admin fee / account holder | $769 | $4,535-83.0% | $5,960-87.1% | $5,306-85.5% |