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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 | $74,535-39.6% | $100,712-55.3% | $82,637-45.5% |
| Participation rate | 44.4% | 61.2%-16.7pp | 69.3%-24.8pp | 68.1%-23.6pp |
| Annual return | 14.99% | 18.92%-3.9pp | 33.27%-18.3pp | 53.51%-38.5pp |
| Employer contribution / active EE | $319 | $1,503-78.8% | $2,313-86.2% | $2,552-87.5% |
| Participant deferral / active EE | $1,456 | $3,074-52.6% | $4,085-64.3% | $4,126-64.7% |
| Admin fee / account holder | $1,667 | $6,576-74.7% | $9,256-82.0% | $7,339-77.3% |