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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 | $38,513 | $43,344-11.1% | $59,899-35.7% | $64,173-40.0% |
| Participation rate | 28.1% | 69.2%-41.0pp | 74.7%-46.6pp | 69.6%-41.4pp |
| Annual return | 4.37% | -1.55%+5.9pp | 3.46%+0.9pp | 7.63%-3.3pp |
| Employer contribution / active EE | $145 | $2,030-92.9% | $2,723-94.7% | $2,381-93.9% |
| Participant deferral / active EE | $1,649 | $2,547-35.3% | $3,402-51.5% | $3,470-52.5% |
| Admin fee / account holder | $7,373 | $3,008+145.1% | $3,592+105.2% | $4,887+50.9% |