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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 | $39,782 | $72,486-45.1% | $87,103-54.3% | $72,976-45.5% |
| Participation rate | 68.0% | 72.8%-4.8pp | 76.9%-8.9pp | 69.5%-1.5pp |
| Annual return | 21.40% | 24.46%-3.1pp | 28.19%-6.8pp | 81.02%-59.6pp |
| Employer contribution / active EE | $393 | $1,894-79.3% | $2,521-84.4% | $2,440-83.9% |
| Participant deferral / active EE | $2,199 | $3,270-32.7% | $4,049-45.7% | $3,608-39.0% |
| Admin fee / account holder | $2,286 | $5,055-54.8% | $7,491-69.5% | $5,124-55.4% |