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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 | $39,721 | $81,504-51.3% | $102,437-61.2% | $80,959-50.9% |
| Participation rate | 38.7% | 66.9%-28.1pp | 74.5%-35.8pp | 67.7%-29.0pp |
| Annual return | 12.09% | 25.60%-13.5pp | 24.95%-12.9pp | 35.67%-23.6pp |
| Employer contribution / active EE | $754 | $3,104-75.7% | $3,871-80.5% | $2,757-72.7% |
| Participant deferral / active EE | $2,530 | $3,871-34.6% | $5,060-50.0% | $4,300-41.2% |
| Admin fee / account holder | $2,983 | $6,719-55.6% | $8,388-64.4% | $6,925-56.9% |