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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 | $46,381 | $56,894-18.5% | $84,753-45.3% | $62,881-26.2% |
| Participation rate | 38.2% | 68.5%-30.3pp | 76.6%-38.4pp | 69.3%-31.1pp |
| Annual return | 9.67% | 6.30%+3.4pp | 22.78%-13.1pp | 20.14%-10.5pp |
| Employer contribution / active EE | $422 | $2,400-82.4% | $3,574-88.2% | $2,281-81.5% |
| Participant deferral / active EE | $1,198 | $2,709-55.8% | $3,712-67.7% | $3,203-62.6% |
| Admin fee / account holder | $791 | $3,581-77.9% | $5,333-85.2% | $4,296-81.6% |