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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 | $31,614 | $59,839-47.2% | $81,991-61.4% | $79,852-60.4% |
| Participation rate | 53.0% | 61.6%-8.6pp | 69.3%-16.2pp | 69.6%-16.6pp |
| Annual return | 10.74% | 17.56%-6.8pp | 41.31%-30.6pp | 31.72%-21.0pp |
| Employer contribution / active EE | $67 | $1,713-96.1% | $2,498-97.3% | $2,471-97.3% |
| Participant deferral / active EE | $1,533 | $2,695-43.1% | $3,722-58.8% | $3,740-59.0% |
| Admin fee / account holder | $2,018 | $4,287-52.9% | $5,665-64.4% | $5,306-62.0% |