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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 | $46,744 | $88,672-47.3% | $105,223-55.6% | $82,448-43.3% |
| Participation rate | 34.3% | 67.9%-33.6pp | 75.0%-40.8pp | 68.1%-33.8pp |
| Annual return | 17.13% | 30.86%-13.7pp | 180.65%-163.5pp | 41.64%-24.5pp |
| Employer contribution / active EE | $538 | $3,048-82.3% | $3,689-85.4% | $2,551-78.9% |
| Participant deferral / active EE | $3,429 | $4,036-15.0% | $5,072-32.4% | $4,139-17.2% |
| Admin fee / account holder | $3,244 | $7,146-54.6% | $8,859-63.4% | $7,234-55.2% |