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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 | $34,578 | $69,383-50.2% | $101,271-65.9% | $73,493-52.9% |
| Participation rate | 54.2% | 68.4%-14.1pp | 75.8%-21.6pp | 70.7%-16.4pp |
| Annual return | 12.92% | 18.46%-5.5pp | 46.48%-33.6pp | 28.51%-15.6pp |
| Employer contribution / active EE | $315 | $2,628-88.0% | $3,660-91.4% | $2,270-86.1% |
| Participant deferral / active EE | $1,791 | $3,301-45.7% | $4,371-59.0% | $3,740-52.1% |
| Admin fee / account holder | $2,565 | $704+264.4% | $5,948-56.9% | $513+399.9% |