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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 | $29,825 | $67,602-55.9% | $82,312-63.8% | $70,126-57.5% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.9%-19.8pp | 69.5%-12.4pp |
| Annual return | 13.48% | 21.57%-8.1pp | 25.88%-12.4pp | 73.15%-59.7pp |
| Employer contribution / active EE | $301 | $1,755-82.8% | $2,428-87.6% | $2,343-87.2% |
| Participant deferral / active EE | $1,765 | $2,987-40.9% | $3,706-52.4% | $3,332-47.0% |
| Admin fee / account holder | $1,560 | $4,512-65.4% | $5,608-72.2% | $4,645-66.4% |