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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 | $32,005 | $67,606-52.7% | $82,313-61.1% | $70,124-54.4% |
| Participation rate | 49.0% | 72.8%-23.8pp | 76.9%-27.9pp | 69.5%-20.5pp |
| Annual return | 15.29% | 21.57%-6.3pp | 25.88%-10.6pp | 73.14%-57.9pp |
| Employer contribution / active EE | $240 | $1,755-86.3% | $2,428-90.1% | $2,342-89.7% |
| Participant deferral / active EE | $1,501 | $2,987-49.8% | $3,706-59.5% | $3,332-55.0% |
| Admin fee / account holder | $940 | $4,512-79.2% | $5,608-83.2% | $4,645-79.8% |