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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 | $38,817 | $56,894-31.8% | $84,753-54.2% | $62,881-38.3% |
| Participation rate | 40.0% | 68.5%-28.5pp | 76.6%-36.6pp | 69.3%-29.3pp |
| Annual return | 7.04% | 6.30%+0.7pp | 22.78%-15.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $115 | $2,400-95.2% | $3,574-96.8% | $2,281-95.0% |
| Participant deferral / active EE | $1,291 | $2,709-52.3% | $3,712-65.2% | $3,203-59.7% |
| Admin fee / account holder | $2,280 | $3,581-36.3% | $5,333-57.2% | $4,296-46.9% |