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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 | $38,548 | $56,894-32.2% | $84,753-54.5% | $62,881-38.7% |
| Participation rate | 28.3% | 68.5%-40.3pp | 76.6%-48.3pp | 69.3%-41.0pp |
| Annual return | 6.21% | 6.30%-0.1pp | 22.78%-16.6pp | 20.14%-13.9pp |
| Employer contribution / active EE | $230 | $2,400-90.4% | $3,574-93.6% | $2,281-89.9% |
| Participant deferral / active EE | $1,206 | $2,709-55.5% | $3,712-67.5% | $3,203-62.4% |
| Admin fee / account holder | $2,874 | $3,581-19.7% | $5,333-46.1% | $4,296-33.1% |