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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 | $32,791 | $81,487-59.8% | $102,412-68.0% | $80,935-59.5% |
| Participation rate | 43.1% | 66.8%-23.8pp | 74.5%-31.4pp | 67.7%-24.6pp |
| Annual return | 12.79% | 25.60%-12.8pp | 24.94%-12.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $699 | $3,103-77.5% | $3,870-81.9% | $2,757-74.6% |
| Participant deferral / active EE | $1,680 | $3,871-56.6% | $5,060-66.8% | $4,299-60.9% |
| Admin fee / account holder | $5,831 | $6,717-13.2% | $8,388-30.5% | $6,924-15.8% |