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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 | $28,178 | $56,894-50.5% | $84,753-66.8% | $62,881-55.2% |
| Participation rate | 54.1% | 68.5%-14.5pp | 76.6%-22.5pp | 69.3%-15.3pp |
| Annual return | 6.63% | 6.30%+0.3pp | 22.78%-16.2pp | 20.14%-13.5pp |
| Employer contribution / active EE | $395 | $2,400-83.5% | $3,574-88.9% | $2,281-82.7% |
| Participant deferral / active EE | $1,415 | $2,709-47.8% | $3,712-61.9% | $3,203-55.8% |
| Admin fee / account holder | $1,342 | $3,581-62.5% | $5,333-74.8% | $4,296-68.8% |