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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 | $28,830 | $67,602-57.4% | $82,312-65.0% | $70,126-58.9% |
| Participation rate | 48.2% | 72.8%-24.6pp | 76.9%-28.7pp | 69.5%-21.3pp |
| Annual return | 12.79% | 21.57%-8.8pp | 25.88%-13.1pp | 73.15%-60.4pp |
| Employer contribution / active EE | $205 | $1,755-88.3% | $2,428-91.6% | $2,343-91.3% |
| Participant deferral / active EE | $1,611 | $2,987-46.1% | $3,706-56.5% | $3,332-51.6% |
| Admin fee / account holder | $8,951 | $4,512+98.4% | $5,608+59.6% | $4,645+92.7% |