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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 | $39,324 | $83,073-52.7% | $88,457-55.5% | $87,485-55.1% |
| Participation rate | 39.6% | 71.3%-31.7pp | 78.6%-39.0pp | 68.9%-29.3pp |
| Annual return | 13.33% | 15.48%-2.2pp | 32.69%-19.4pp | 26.06%-12.7pp |
| Employer contribution / active EE | $767 | $4,044-81.0% | $4,681-83.6% | $2,596-70.4% |
| Participant deferral / active EE | $1,096 | $4,389-75.0% | $5,667-80.7% | $4,274-74.4% |
| Admin fee / account holder | $3,903 | $7,192-45.7% | $9,606-59.4% | $7,775-49.8% |