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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 | $48,603 | $55,889-13.0% | $76,119-36.1% | $80,935-39.9% |
| Participation rate | 40.0% | 62.1%-22.1pp | 69.1%-29.1pp | 67.7%-27.7pp |
| Annual return | 12.05% | 20.58%-8.5pp | 361.25%-349.2pp | 35.66%-23.6pp |
| Employer contribution / active EE | $297 | $1,866-84.1% | $2,693-89.0% | $2,757-89.2% |
| Participant deferral / active EE | $1,975 | $3,051-35.3% | $4,259-53.6% | $4,299-54.1% |
| Admin fee / account holder | $5,308 | $5,241+1.3% | $6,421-17.3% | $6,924-23.3% |