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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 | $34,527 | $101,795-66.1% | $165,100-79.1% | $80,959-57.4% |
| Participation rate | 49.3% | 71.8%-22.5pp | 78.6%-29.3pp | 67.7%-18.4pp |
| Annual return | 15.75% | 16.73%-1.0pp | 70.21%-54.5pp | 35.67%-19.9pp |
| Employer contribution / active EE | $787 | $2,954-73.3% | $4,348-81.9% | $2,757-71.4% |
| Participant deferral / active EE | $2,949 | $4,476-34.1% | $6,035-51.1% | $4,300-31.4% |
| Admin fee / account holder | $1,629 | $8,221-80.2% | $12,696-87.2% | $6,925-76.5% |