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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 | $39,629 | $81,487-51.4% | $102,412-61.3% | $80,935-51.0% |
| Participation rate | 22.6% | 66.8%-44.2pp | 74.5%-51.9pp | 67.7%-45.0pp |
| Annual return | 11.24% | 25.60%-14.4pp | 24.94%-13.7pp | 35.66%-24.4pp |
| Employer contribution / active EE | $456 | $3,103-85.3% | $3,870-88.2% | $2,757-83.4% |
| Participant deferral / active EE | $1,716 | $3,871-55.7% | $5,060-66.1% | $4,299-60.1% |
| Admin fee / account holder | $10,440 | $6,717+55.4% | $8,388+24.5% | $6,924+50.8% |