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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 | $39,084 | $46,877-16.6% | $122,354-68.1% | $70,126-44.3% |
| Participation rate | 46.9% | 58.2%-11.3pp | 71.6%-24.8pp | 69.5%-22.7pp |
| Annual return | 14.06% | 24.22%-10.2pp | 30.28%-16.2pp | 73.15%-59.1pp |
| Employer contribution / active EE | $229 | $1,288-82.3% | $4,051-94.4% | $2,343-90.2% |
| Participant deferral / active EE | $2,286 | $2,167+5.5% | $3,287-30.5% | $3,332-31.4% |
| Admin fee / account holder | $5,879 | $3,324+76.9% | $5,479+7.3% | $4,645+26.5% |