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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 | $76,834-53.1% | $108,359-66.7% | $87,485-58.8% |
| Participation rate | 43.9% | 61.7%-17.8pp | 70.1%-26.2pp | 68.9%-25.0pp |
| Annual return | 13.21% | 19.09%-5.9pp | 36.89%-23.7pp | 26.06%-12.9pp |
| Employer contribution / active EE | $244 | $1,556-84.3% | $2,399-89.8% | $2,596-90.6% |
| Participant deferral / active EE | $1,400 | $3,100-54.8% | $4,137-66.2% | $4,274-67.2% |
| Admin fee / account holder | $7,286 | $6,537+11.5% | $9,741-25.2% | $7,775-6.3% |