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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 | $23,281 | $81,504-71.4% | $102,437-77.3% | $80,959-71.2% |
| Participation rate | 53.3% | 66.9%-13.5pp | 74.5%-21.2pp | 67.7%-14.3pp |
| Annual return | 11.13% | 25.60%-14.5pp | 24.95%-13.8pp | 35.67%-24.5pp |
| Employer contribution / active EE | $748 | $3,104-75.9% | $3,871-80.7% | $2,757-72.9% |
| Participant deferral / active EE | $2,965 | $3,871-23.4% | $5,060-41.4% | $4,300-31.1% |
| Admin fee / account holder | $3,401 | $6,719-49.4% | $8,388-59.5% | $6,925-50.9% |