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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 | $32,475 | $43,338-25.1% | $59,887-45.8% | $64,173-49.4% |
| Participation rate | 45.5% | 69.2%-23.7pp | 74.7%-29.2pp | 69.6%-24.1pp |
| Annual return | 11.00% | -1.55%+12.6pp | 3.46%+7.5pp | 7.63%+3.4pp |
| Employer contribution / active EE | $320 | $2,030-84.2% | $2,722-88.2% | $2,381-86.5% |
| Participant deferral / active EE | $1,084 | $2,547-57.4% | $3,402-68.1% | $3,470-68.7% |
| Admin fee / account holder | $828 | $3,007-72.5% | $3,591-76.9% | $4,887-83.1% |