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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 | $41,600 | $81,504-49.0% | $102,437-59.4% | $80,959-48.6% |
| Participation rate | 37.3% | 66.9%-29.5pp | 74.5%-37.2pp | 67.7%-30.4pp |
| Annual return | 20.73% | 25.60%-4.9pp | 24.95%-4.2pp | 35.67%-14.9pp |
| Employer contribution / active EE | $589 | $3,104-81.0% | $3,871-84.8% | $2,757-78.6% |
| Participant deferral / active EE | $2,228 | $3,871-42.4% | $5,060-56.0% | $4,300-48.2% |
| Admin fee / account holder | $1,585 | $6,719-76.4% | $8,388-81.1% | $6,925-77.1% |