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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 | $46,615 | $71,230-34.6% | $93,727-50.3% | $80,959-42.4% |
| Participation rate | 43.4% | 60.4%-17.0pp | 68.7%-25.3pp | 67.7%-24.2pp |
| Annual return | 11.00% | 11.26%-0.3pp | 133.83%-122.8pp | 35.67%-24.7pp |
| Employer contribution / active EE | $234 | $1,565-85.1% | $2,421-90.3% | $2,757-91.5% |
| Participant deferral / active EE | $3,645 | $4,037-9.7% | $4,417-17.5% | $4,300-15.3% |
| Admin fee / account holder | $15,512 | $6,961+122.8% | $8,292+87.1% | $6,925+124.0% |