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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 | $50,730 | $69,444-26.9% | $92,985-45.4% | $87,485-42.0% |
| Participation rate | 36.2% | 63.3%-27.1pp | 69.5%-33.3pp | 68.9%-32.8pp |
| Annual return | 13.37% | 23.85%-10.5pp | 27.99%-14.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $346 | $1,917-82.0% | $2,662-87.0% | $2,596-86.7% |
| Participant deferral / active EE | $1,902 | $3,364-43.5% | $4,377-56.6% | $4,274-55.5% |
| Admin fee / account holder | $2,036 | $6,137-66.8% | $9,463-78.5% | $7,775-73.8% |