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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 | $49,298 | $67,776-27.3% | $90,312-45.4% | $65,306-24.5% |
| Participation rate | 34.7% | 58.1%-23.4pp | 72.9%-38.2pp | 57.7%-23.0pp |
| Annual return | 14.31% | 16.62%-2.3pp | 18.90%-4.6pp | 21.94%-7.6pp |
| Employer contribution / active EE | $122 | $2,195-94.4% | $2,243-94.5% | $1,967-93.8% |
| Participant deferral / active EE | $1,183 | $2,641-55.2% | $3,749-68.4% | $2,959-60.0% |
| Admin fee / account holder | $2,624 | $3,322-21.0% | $8,248-68.2% | $3,480-24.6% |