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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 | $46,437 | $54,763-15.2% | $90,324-48.6% | $72,976-36.4% |
| Participation rate | 57.5% | 65.2%-7.7pp | 73.3%-15.8pp | 69.5%-12.0pp |
| Annual return | 23.38% | 30.63%-7.3pp | 78.15%-54.8pp | 81.02%-57.6pp |
| Employer contribution / active EE | $75 | $2,093-96.4% | $2,856-97.4% | $2,440-96.9% |
| Participant deferral / active EE | $2,148 | $2,887-25.6% | $3,885-44.7% | $3,608-40.5% |
| Admin fee / account holder | $1,050 | $3,973-73.6% | $5,356-80.4% | $5,124-79.5% |