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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 | $31,545 | $86,940-63.7% | $102,434-69.2% | $80,935-61.0% |
| Participation rate | 42.6% | 72.4%-29.8pp | 76.5%-34.0pp | 67.7%-25.1pp |
| Annual return | 12.41% | 18.89%-6.5pp | 29.46%-17.0pp | 35.66%-23.3pp |
| Employer contribution / active EE | $633 | $2,370-73.3% | $3,023-79.1% | $2,757-77.0% |
| Participant deferral / active EE | $1,937 | $4,121-53.0% | $5,055-61.7% | $4,299-54.9% |
| Admin fee / account holder | $3,342 | $8,047-58.5% | $9,462-64.7% | $6,924-51.7% |