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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 | $36,056 | $77,574-53.5% | $108,753-66.8% | $86,983-58.5% |
| Participation rate | 43.9% | 62.3%-18.4pp | 71.1%-27.2pp | 69.5%-25.6pp |
| Annual return | 13.21% | 18.42%-5.2pp | 37.47%-24.3pp | 25.83%-12.6pp |
| Employer contribution / active EE | $244 | $1,611-84.9% | $2,427-89.9% | $2,584-90.6% |
| Participant deferral / active EE | $1,400 | $3,128-55.3% | $4,115-66.0% | $4,194-66.6% |
| Admin fee / account holder | $7,286 | $6,529+11.6% | $10,320-29.4% | $7,856-7.3% |