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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 | $32,964 | $72,492-54.5% | $87,104-62.2% | $72,975-54.8% |
| Participation rate | 61.5% | 72.8%-11.3pp | 76.9%-15.3pp | 69.5%-8.0pp |
| Annual return | 18.22% | 24.46%-6.2pp | 28.19%-10.0pp | 81.01%-62.8pp |
| Employer contribution / active EE | $328 | $1,894-82.7% | $2,521-87.0% | $2,440-86.6% |
| Participant deferral / active EE | $2,456 | $3,270-24.9% | $4,048-39.3% | $3,608-31.9% |
| Admin fee / account holder | $1,472 | $5,055-70.9% | $7,491-80.3% | $5,124-71.3% |