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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 | $53,624 | $81,457-34.2% | $103,378-48.1% | $80,911-33.7% |
| Participation rate | 32.4% | 66.8%-34.5pp | 74.5%-42.2pp | 67.6%-35.3pp |
| Annual return | 12.21% | 25.58%-13.4pp | 24.91%-12.7pp | 35.63%-23.4pp |
| Employer contribution / active EE | $256 | $3,107-91.8% | $3,870-93.4% | $2,756-90.7% |
| Participant deferral / active EE | $2,557 | $3,871-33.9% | $5,058-49.4% | $4,297-40.5% |
| Admin fee / account holder | $3,932 | $6,717-41.5% | $8,401-53.2% | $6,935-43.3% |