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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 | $43,129 | $62,592-31.1% | $85,693-49.7% | $85,856-49.8% |
| Participation rate | 49.2% | 61.1%-11.9pp | 69.9%-20.6pp | 69.3%-20.1pp |
| Annual return | 15.59% | 23.77%-8.2pp | 21.49%-5.9pp | 318.58%-303.0pp |
| Employer contribution / active EE | $291 | $1,755-83.4% | $2,618-88.9% | $2,565-88.7% |
| Participant deferral / active EE | $2,437 | $2,802-13.0% | $3,923-37.9% | $3,952-38.3% |
| Admin fee / account holder | $2,508 | $4,643-46.0% | $6,874-63.5% | $6,261-59.9% |