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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 | $57,793 | $58,627-1.4% | $76,735-24.7% | $82,448-29.9% |
| Participation rate | 29.6% | 63.2%-33.6pp | 69.5%-39.9pp | 68.1%-38.4pp |
| Annual return | 16.19% | 39.10%-22.9pp | 29.77%-13.6pp | 41.64%-25.5pp |
| Employer contribution / active EE | $234 | $1,729-86.5% | $2,454-90.5% | $2,551-90.8% |
| Participant deferral / active EE | $1,276 | $3,134-59.3% | $4,088-68.8% | $4,139-69.2% |
| Admin fee / account holder | $2,316 | $5,323-56.5% | $7,189-67.8% | $7,234-68.0% |