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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 | $32,613 | $70,486-53.7% | $100,535-67.6% | $79,856-59.2% |
| Participation rate | 38.7% | 73.6%-34.9pp | 79.4%-40.7pp | 69.6%-30.9pp |
| Annual return | 16.38% | 21.90%-5.5pp | 30.90%-14.5pp | 31.71%-15.3pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $7,458 | $5,182+43.9% | $6,271+18.9% | $3,741+99.4% |
| Admin fee / account holder | $6,449 | $4,480+44.0% | $8,085-20.2% | $5,306+21.5% |