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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 | $49,701 | $72,607-31.5% | $90,259-44.9% | $87,485-43.2% |
| Participation rate | 36.7% | 64.8%-28.1pp | 70.7%-34.1pp | 68.9%-32.3pp |
| Annual return | 17.91% | 18.59%-0.7pp | 18.88%-1.0pp | 26.06%-8.1pp |
| Employer contribution / active EE | $374 | $1,919-80.5% | $2,291-83.7% | $2,596-85.6% |
| Participant deferral / active EE | $2,252 | $3,055-26.3% | $3,827-41.1% | $4,274-47.3% |
| Admin fee / account holder | $1,291 | $5,947-78.3% | $7,267-82.2% | $7,775-83.4% |