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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 | $20,582 | $56,894-63.8% | $84,753-75.7% | $62,881-67.3% |
| Participation rate | 55.6% | 68.5%-13.0pp | 76.6%-21.0pp | 69.3%-13.7pp |
| Annual return | 5.55% | 6.30%-0.8pp | 22.78%-17.2pp | 20.14%-14.6pp |
| Employer contribution / active EE | $405 | $2,400-83.1% | $3,574-88.7% | $2,281-82.2% |
| Participant deferral / active EE | $2,198 | $2,709-18.9% | $3,712-40.8% | $3,203-31.4% |
| Admin fee / account holder | $4,327 | $3,581+20.8% | $5,333-18.9% | $4,296+0.7% |