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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 | $44,161 | $46,877-5.8% | $122,354-63.9% | $70,126-37.0% |
| Participation rate | 31.6% | 58.2%-26.6pp | 71.6%-40.1pp | 69.5%-38.0pp |
| Annual return | 17.19% | 24.22%-7.0pp | 30.28%-13.1pp | 73.15%-56.0pp |
| Employer contribution / active EE | $55 | $1,288-95.7% | $4,051-98.6% | $2,343-97.6% |
| Participant deferral / active EE | $1,329 | $2,167-38.7% | $3,287-59.6% | $3,332-60.1% |
| Admin fee / account holder | $799 | $3,324-76.0% | $5,479-85.4% | $4,645-82.8% |