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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 | $36,981 | $59,440-37.8% | $78,004-52.6% | $82,637-55.2% |
| Participation rate | 34.2% | 62.8%-28.6pp | 69.4%-35.2pp | 68.1%-33.8pp |
| Annual return | 14.10% | 40.24%-26.1pp | 31.07%-17.0pp | 53.51%-39.4pp |
| Employer contribution / active EE | $73 | $1,750-95.8% | $2,469-97.1% | $2,552-97.2% |
| Participant deferral / active EE | $1,583 | $3,138-49.6% | $4,092-61.3% | $4,126-61.6% |
| Admin fee / account holder | $6,240 | $5,504+13.4% | $7,578-17.7% | $7,339-15.0% |