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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 | $32,181 | $126,661-74.6% | $113,397-71.6% | $138,895-76.8% |
| Participation rate | 40.0% | 79.4%-39.4pp | 76.5%-36.5pp | 79.9%-39.9pp |
| Annual return | 12.62% | 25.05%-12.4pp | 23.20%-10.6pp | 145.39%-132.8pp |
| Employer contribution / active EE | $552 | $3,456-84.0% | $2,977-81.5% | $4,194-86.8% |
| Participant deferral / active EE | $2,426 | $5,693-57.4% | $5,076-52.2% | $6,396-62.1% |
| Admin fee / account holder | $305 | $14,549-97.9% | $11,957-97.5% | $12,562-97.6% |