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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 | $32,814 | $49,657-33.9% | $93,063-64.7% | $67,986-51.7% |
| Participation rate | 22.0% | 49.9%-27.9pp | 72.1%-50.1pp | 57.2%-35.2pp |
| Annual return | 20.76% | 26.27%-5.5pp | 34.15%-13.4pp | 31.67%-10.9pp |
| Employer contribution / active EE | $139 | $1,279-89.1% | $2,476-94.4% | $2,019-93.1% |
| Participant deferral / active EE | $1,049 | $2,484-57.8% | $3,958-73.5% | $3,358-68.8% |
| Admin fee / account holder | $304 | $2,843-89.3% | $6,033-95.0% | $3,203-90.5% |