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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 | $48,254 | $58,627-17.7% | $76,735-37.1% | $82,448-41.5% |
| Participation rate | 23.0% | 63.2%-40.3pp | 69.5%-46.5pp | 68.1%-45.1pp |
| Annual return | 13.61% | 39.10%-25.5pp | 29.77%-16.2pp | 41.64%-28.0pp |
| Employer contribution / active EE | $238 | $1,729-86.3% | $2,454-90.3% | $2,551-90.7% |
| Participant deferral / active EE | $2,283 | $3,134-27.1% | $4,088-44.2% | $4,139-44.8% |
| Admin fee / account holder | $3,972 | $5,323-25.4% | $7,189-44.8% | $7,234-45.1% |