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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 | $61,868 | $72,027-14.1% | $185,861-66.7% | $79,856-22.5% |
| Participation rate | 39.3% | 65.8%-26.5pp | 78.0%-38.8pp | 69.6%-30.4pp |
| Annual return | 21.98% | 23.13%-1.1pp | 35.96%-14.0pp | 31.71%-9.7pp |
| Employer contribution / active EE | $344 | $1,965-82.5% | $4,088-91.6% | $2,471-86.1% |
| Participant deferral / active EE | $1,348 | $3,780-64.3% | $5,634-76.1% | $3,741-64.0% |
| Admin fee / account holder | $590 | $4,513-86.9% | $9,503-93.8% | $5,306-88.9% |