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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 | $38,331 | $63,082-39.2% | $81,716-53.1% | $79,852-52.0% |
| Participation rate | 58.8% | 67.5%-8.7pp | 72.0%-13.2pp | 69.6%-10.8pp |
| Annual return | 17.17% | 22.66%-5.5pp | 29.49%-12.3pp | 31.72%-14.5pp |
| Employer contribution / active EE | $263 | $1,795-85.4% | $4,310-93.9% | $2,471-89.4% |
| Participant deferral / active EE | $1,142 | $2,780-58.9% | $7,108-83.9% | $3,740-69.5% |
| Admin fee / account holder | $881 | $4,428-80.1% | $5,159-82.9% | $5,306-83.4% |