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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 | $35,260 | $52,306-32.6% | $69,779-49.5% | $62,881-43.9% |
| Participation rate | 56.2% | 67.2%-11.1pp | 71.8%-15.7pp | 69.3%-13.1pp |
| Annual return | 7.13% | 13.35%-6.2pp | 12.99%-5.9pp | 20.14%-13.0pp |
| Employer contribution / active EE | $270 | $1,799-85.0% | $2,338-88.4% | $2,281-88.2% |
| Participant deferral / active EE | $2,512 | $2,395+4.9% | $2,931-14.3% | $3,203-21.6% |
| Admin fee / account holder | $2,651 | $3,691-28.2% | $4,381-39.5% | $4,296-38.3% |