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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 | $45,549 | $65,395-30.3% | $182,558-75.0% | $72,976-37.6% |
| Participation rate | 37.6% | 65.4%-27.8pp | 78.0%-40.3pp | 69.5%-31.9pp |
| Annual return | 19.39% | 27.68%-8.3pp | 148.59%-129.2pp | 81.02%-61.6pp |
| Employer contribution / active EE | $164 | $1,911-91.4% | $4,076-96.0% | $2,440-93.3% |
| Participant deferral / active EE | $1,308 | $3,563-63.3% | $5,526-76.3% | $3,608-63.7% |
| Admin fee / account holder | $2,542 | $4,245-40.1% | $8,594-70.4% | $5,124-50.4% |