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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 | $45,643 | $71,230-35.9% | $93,727-51.3% | $80,959-43.6% |
| Participation rate | 31.2% | 60.4%-29.2pp | 68.7%-37.5pp | 67.7%-36.5pp |
| Annual return | 11.45% | 11.26%+0.2pp | 133.83%-122.4pp | 35.67%-24.2pp |
| Employer contribution / active EE | $180 | $1,565-88.5% | $2,421-92.5% | $2,757-93.5% |
| Participant deferral / active EE | $1,346 | $4,037-66.7% | $4,417-69.5% | $4,300-68.7% |
| Admin fee / account holder | $714 | $6,961-89.7% | $8,292-91.4% | $6,925-89.7% |