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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 | $32,153 | $56,894-43.5% | $84,753-62.1% | $62,881-48.9% |
| Participation rate | 58.1% | 68.5%-10.5pp | 76.6%-18.5pp | 69.3%-11.2pp |
| Annual return | 8.26% | 6.30%+2.0pp | 22.78%-14.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $354 | $2,400-85.3% | $3,574-90.1% | $2,281-84.5% |
| Participant deferral / active EE | $2,168 | $2,709-20.0% | $3,712-41.6% | $3,203-32.3% |
| Admin fee / account holder | $985 | $3,581-72.5% | $5,333-81.5% | $4,296-77.1% |