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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 | $32,516 | $59,440-45.3% | $78,004-58.3% | $82,637-60.7% |
| Participation rate | 36.0% | 62.8%-26.8pp | 69.4%-33.4pp | 68.1%-32.0pp |
| Annual return | 16.57% | 40.24%-23.7pp | 31.07%-14.5pp | 53.51%-36.9pp |
| Employer contribution / active EE | $225 | $1,750-87.2% | $2,469-90.9% | $2,552-91.2% |
| Participant deferral / active EE | $1,143 | $3,138-63.6% | $4,092-72.1% | $4,126-72.3% |
| Admin fee / account holder | $1,148 | $5,504-79.1% | $7,578-84.9% | $7,339-84.4% |