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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 | $35,347 | $49,280-28.3% | $67,313-47.5% | $64,173-44.9% |
| Participation rate | 27.0% | 60.8%-33.8pp | 69.1%-42.1pp | 69.6%-42.6pp |
| Annual return | 7.13% | -1.39%+8.5pp | -4.08%+11.2pp | 7.63%-0.5pp |
| Employer contribution / active EE | $227 | $1,668-86.4% | $2,566-91.1% | $2,381-90.5% |
| Participant deferral / active EE | $1,125 | $2,484-54.7% | $3,568-68.5% | $3,470-67.6% |
| Admin fee / account holder | $4,333 | $3,863+12.2% | $4,507-3.8% | $4,887-11.3% |