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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 | $49,798 | $45,050+10.5% | $63,018-21.0% | $70,126-29.0% |
| Participation rate | 12.0% | 69.5%-57.5pp | 74.8%-62.8pp | 69.5%-57.5pp |
| Annual return | 17.10% | 18.76%-1.7pp | 87.62%-70.5pp | 73.15%-56.0pp |
| Employer contribution / active EE | $160 | $2,052-92.2% | $2,761-94.2% | $2,343-93.2% |
| Participant deferral / active EE | $897 | $2,466-63.6% | $3,330-73.1% | $3,332-73.1% |
| Admin fee / account holder | $5,378 | $2,834+89.8% | $3,601+49.4% | $4,645+15.8% |