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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 | $22,616 | $88,672-74.5% | $105,223-78.5% | $82,448-72.6% |
| Participation rate | 45.9% | 67.9%-22.0pp | 75.0%-29.1pp | 68.1%-22.2pp |
| Annual return | 13.32% | 30.86%-17.5pp | 180.65%-167.3pp | 41.64%-28.3pp |
| Employer contribution / active EE | $768 | $3,048-74.8% | $3,689-79.2% | $2,551-69.9% |
| Participant deferral / active EE | $2,049 | $4,036-49.2% | $5,072-59.6% | $4,139-50.5% |
| Admin fee / account holder | $1,362 | $7,146-80.9% | $8,859-84.6% | $7,234-81.2% |