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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 | $31,894 | $56,894-43.9% | $84,753-62.4% | $62,881-49.3% |
| Participation rate | 64.0% | 68.5%-4.5pp | 76.6%-12.6pp | 69.3%-5.3pp |
| Annual return | 6.14% | 6.30%-0.2pp | 22.78%-16.6pp | 20.14%-14.0pp |
| Employer contribution / active EE | $292 | $2,400-87.8% | $3,574-91.8% | $2,281-87.2% |
| Participant deferral / active EE | $2,271 | $2,709-16.2% | $3,712-38.8% | $3,203-29.1% |
| Admin fee / account holder | $2,912 | $3,581-18.7% | $5,333-45.4% | $4,296-32.2% |