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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 | $40,679 | $76,407-46.8% | $150,298-72.9% | $82,448-50.7% |
| Participation rate | 46.2% | 66.4%-20.2pp | 77.8%-31.6pp | 68.1%-21.9pp |
| Annual return | 18.90% | 39.99%-21.1pp | 62.79%-43.9pp | 41.64%-22.7pp |
| Employer contribution / active EE | $226 | $2,614-91.4% | $4,154-94.6% | $2,551-91.1% |
| Participant deferral / active EE | $1,750 | $3,214-45.6% | $5,453-67.9% | $4,139-57.7% |
| Admin fee / account holder | $2,208 | $6,352-65.2% | $14,116-84.4% | $7,234-69.5% |