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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 | $39,203 | $54,541-28.1% | $78,778-50.2% | $70,126-44.1% |
| Participation rate | 46.2% | 60.8%-14.6pp | 69.2%-23.0pp | 69.5%-23.4pp |
| Annual return | 14.99% | 21.07%-6.1pp | 35.62%-20.6pp | 73.15%-58.2pp |
| Employer contribution / active EE | $183 | $1,089-83.2% | $1,986-90.8% | $2,343-92.2% |
| Participant deferral / active EE | $1,653 | $2,210-25.2% | $2,958-44.1% | $3,332-50.4% |
| Admin fee / account holder | $427 | $3,709-88.5% | $5,134-91.7% | $4,645-90.8% |