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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 | $45,685 | $116,203-60.7% | $93,621-51.2% | $152,897-70.1% |
| Participation rate | 41.7% | 78.1%-36.4pp | 75.8%-34.2pp | 82.5%-40.8pp |
| Annual return | 17.60% | 35.96%-18.4pp | 32.76%-15.2pp | 345.43%-327.8pp |
| Employer contribution / active EE | $149 | $3,219-95.4% | $2,719-94.5% | $4,764-96.9% |
| Participant deferral / active EE | $1,486 | $4,605-67.7% | $4,070-63.5% | $5,851-74.6% |
| Admin fee / account holder | $11,622 | $10,751+8.1% | $7,890+47.3% | $11,599+0.2% |