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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 | $39,319 | $115,931-66.1% | $185,441-78.8% | $86,983-54.8% |
| Participation rate | 58.3% | 73.6%-15.3pp | 80.3%-21.9pp | 69.5%-11.2pp |
| Annual return | 15.09% | 21.47%-6.4pp | 20.16%-5.1pp | 25.83%-10.7pp |
| Employer contribution / active EE | $327 | $2,937-88.9% | $4,672-93.0% | $2,584-87.3% |
| Participant deferral / active EE | $2,777 | $4,551-39.0% | $6,152-54.8% | $4,194-33.8% |
| Admin fee / account holder | $761 | $10,687-92.9% | $17,890-95.7% | $7,856-90.3% |