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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 | $43,627 | $77,901-44.0% | $149,717-70.9% | $75,181-42.0% |
| Participation rate | 50.0% | 65.6%-15.6pp | 78.8%-28.8pp | 67.2%-17.2pp |
| Annual return | 17.16% | 31.73%-14.6pp | 134.41%-117.3pp | 160.69%-143.5pp |
| Employer contribution / active EE | $123 | $3,137-96.1% | $4,820-97.4% | $2,671-95.4% |
| Participant deferral / active EE | $3,669 | $3,411+7.6% | $5,682-35.4% | $4,126-11.1% |
| Admin fee / account holder | $869 | $5,949-85.4% | $13,213-93.4% | $5,650-84.6% |