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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 | $43,620 | $65,376-33.3% | $87,104-49.9% | $65,185-33.1% |
| Participation rate | 47.0% | 75.3%-28.3pp | 76.9%-29.9pp | 70.2%-23.2pp |
| Annual return | 21.27% | 31.27%-10.0pp | 28.19%-6.9pp | 29.38%-8.1pp |
| Employer contribution / active EE | $316 | $1,822-82.7% | $2,521-87.5% | $2,177-85.5% |
| Participant deferral / active EE | $2,425 | $3,388-28.4% | $4,048-40.1% | $3,514-31.0% |
| Admin fee / account holder | $1,469 | $520+182.6% | $7,491-80.4% | $847+73.4% |