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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 | $38,461 | $99,345-61.3% | $84,753-54.6% | $273,972-86.0% |
| Participation rate | 33.3% | 80.7%-47.4pp | 76.6%-43.3pp | 83.0%-49.7pp |
| Annual return | 4.89% | 22.93%-18.0pp | 22.78%-17.9pp | 41.46%-36.6pp |
| Employer contribution / active EE | $397 | $4,214-90.6% | $3,574-88.9% | $4,869-91.8% |
| Participant deferral / active EE | $2,612 | $4,270-38.8% | $3,712-29.6% | $5,287-50.6% |
| Admin fee / account holder | $6,796 | $6,645+2.3% | $5,333+27.4% | $10,133-32.9% |