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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 | $34,538 | $37,446-7.8% | $77,513-55.4% | $79,852-56.7% |
| Participation rate | 17.8% | 41.5%-23.7pp | 54.2%-36.4pp | 69.6%-51.9pp |
| Annual return | 10.68% | 39.76%-29.1pp | 54.81%-44.1pp | 31.72%-21.0pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $500 | $1,261-60.4% | $1,861-73.2% | $3,740-86.6% |
| Admin fee / account holder | $2,929 | $2,506+16.9% | $2,859+2.5% | $5,306-44.8% |