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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 | $47,118 | $123,793-61.9% | $177,848-73.5% | $79,856-41.0% |
| Participation rate | 63.4% | 84.7%-21.2pp | 87.7%-24.3pp | 69.6%-6.2pp |
| Annual return | 13.94% | 22.82%-8.9pp | 48.33%-34.4pp | 31.71%-17.8pp |
| Employer contribution / active EE | $475 | $4,095-88.4% | $5,919-92.0% | $2,471-80.8% |
| Participant deferral / active EE | $3,368 | $5,956-43.5% | $7,714-56.3% | $3,741-10.0% |
| Admin fee / account holder | $3,889 | $7,243-46.3% | $12,431-68.7% | $5,306-26.7% |