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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 | $29,283 | $41,377-29.2% | $109,313-73.2% | $62,881-53.4% |
| Participation rate | 30.3% | 57.5%-27.3pp | 71.3%-41.0pp | 69.3%-39.0pp |
| Annual return | 12.78% | 11.05%+1.7pp | 22.07%-9.3pp | 20.14%-7.4pp |
| Employer contribution / active EE | $183 | $1,276-85.6% | $3,892-95.3% | $2,281-92.0% |
| Participant deferral / active EE | $1,294 | $2,045-36.7% | $3,166-59.1% | $3,203-59.6% |
| Admin fee / account holder | $5,922 | $2,884+105.3% | $5,666+4.5% | $4,296+37.8% |