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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 | $38,911 | $51,207-24.0% | $70,565-44.9% | $71,529-45.6% |
| Participation rate | 34.2% | 59.4%-25.2pp | 68.4%-34.2pp | 67.9%-33.7pp |
| Annual return | 19.92% | 42.71%-22.8pp | 32.79%-12.9pp | 28.97%-9.0pp |
| Employer contribution / active EE | $316 | $1,795-82.4% | $2,976-89.4% | $2,590-87.8% |
| Participant deferral / active EE | $3,783 | $3,033+24.7% | $4,568-17.2% | $4,291-11.8% |
| Admin fee / account holder | $7,821 | $2,002+290.8% | $6,430+21.6% | $1,588+392.4% |