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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 | $21,915 | $63,082-65.3% | $81,716-73.2% | $79,852-72.6% |
| Participation rate | 32.7% | 67.5%-34.8pp | 72.0%-39.3pp | 69.6%-36.9pp |
| Annual return | 16.81% | 22.66%-5.9pp | 29.49%-12.7pp | 31.72%-14.9pp |
| Employer contribution / active EE | $102 | $1,795-94.3% | $4,310-97.6% | $2,471-95.9% |
| Participant deferral / active EE | $1,736 | $2,780-37.6% | $7,108-75.6% | $3,740-53.6% |
| Admin fee / account holder | $4,159 | $4,428-6.1% | $5,159-19.4% | $5,306-21.6% |