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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 | $38,175 | $81,504-53.2% | $102,437-62.7% | $80,959-52.8% |
| Participation rate | 32.2% | 66.9%-34.6pp | 74.5%-42.3pp | 67.7%-35.5pp |
| Annual return | 11.85% | 25.60%-13.7pp | 24.95%-13.1pp | 35.67%-23.8pp |
| Employer contribution / active EE | $327 | $3,104-89.5% | $3,871-91.5% | $2,757-88.1% |
| Participant deferral / active EE | $1,636 | $3,871-57.7% | $5,060-67.7% | $4,300-62.0% |
| Admin fee / account holder | $4,555 | $6,719-32.2% | $8,388-45.7% | $6,925-34.2% |