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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 | $35,988 | $81,276-55.7% | $155,574-76.9% | $80,925-55.5% |
| Participation rate | 61.7% | 66.2%-4.5pp | 78.2%-16.5pp | 67.7%-6.0pp |
| Annual return | 10.91% | 33.36%-22.5pp | 64.87%-54.0pp | 35.65%-24.7pp |
| Employer contribution / active EE | $238 | $3,103-92.3% | $4,676-94.9% | $2,756-91.4% |
| Participant deferral / active EE | $1,082 | $3,453-68.7% | $5,629-80.8% | $4,299-74.8% |
| Admin fee / account holder | $1,288 | $7,993-83.9% | $15,914-91.9% | $6,940-81.4% |