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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 | $43,127 | $81,487-47.1% | $102,412-57.9% | $80,935-46.7% |
| Participation rate | 32.8% | 66.8%-34.1pp | 74.5%-41.7pp | 67.7%-34.9pp |
| Annual return | 15.10% | 25.60%-10.5pp | 24.94%-9.8pp | 35.66%-20.6pp |
| Employer contribution / active EE | $408 | $3,103-86.8% | $3,870-89.4% | $2,757-85.2% |
| Participant deferral / active EE | $1,633 | $3,871-57.8% | $5,060-67.7% | $4,299-62.0% |
| Admin fee / account holder | $2,939 | $6,717-56.2% | $8,388-65.0% | $6,924-57.6% |