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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 | $24,426 | $59,839-59.2% | $81,991-70.2% | $79,852-69.4% |
| Participation rate | 41.2% | 61.6%-20.4pp | 69.3%-28.0pp | 69.6%-28.4pp |
| Annual return | 14.71% | 17.56%-2.8pp | 41.31%-26.6pp | 31.72%-17.0pp |
| Employer contribution / active EE | $136 | $1,713-92.1% | $2,498-94.5% | $2,471-94.5% |
| Participant deferral / active EE | $2,008 | $2,695-25.5% | $3,722-46.0% | $3,740-46.3% |
| Admin fee / account holder | $1,840 | $4,287-57.1% | $5,665-67.5% | $5,306-65.3% |