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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 | $45,014 | $73,787-39.0% | $98,716-54.4% | $82,448-45.4% |
| Participation rate | 44.4% | 61.4%-17.0pp | 69.3%-24.8pp | 68.1%-23.6pp |
| Annual return | 14.99% | 18.57%-3.6pp | 31.81%-16.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $319 | $1,511-78.9% | $2,279-86.0% | $2,551-87.5% |
| Participant deferral / active EE | $1,456 | $3,081-52.7% | $4,048-64.0% | $4,139-64.8% |
| Admin fee / account holder | $1,667 | $6,500-74.4% | $8,703-80.8% | $7,234-77.0% |