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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 | $52,182 | $72,492-28.0% | $87,104-40.1% | $72,975-28.5% |
| Participation rate | 37.0% | 72.8%-35.9pp | 76.9%-39.9pp | 69.5%-32.5pp |
| Annual return | 22.24% | 24.46%-2.2pp | 28.19%-6.0pp | 81.01%-58.8pp |
| Employer contribution / active EE | $144 | $1,894-92.4% | $2,521-94.3% | $2,440-94.1% |
| Participant deferral / active EE | $1,832 | $3,270-44.0% | $4,048-54.7% | $3,608-49.2% |
| Admin fee / account holder | $10,606 | $5,055+109.8% | $7,491+41.6% | $5,124+107.0% |