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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 | $37,810 | $87,834-57.0% | $133,975-71.8% | $62,881-39.9% |
| Participation rate | 57.3% | 83.4%-26.0pp | 87.1%-29.7pp | 69.3%-12.0pp |
| Annual return | 6.74% | 12.05%-5.3pp | 29.29%-22.6pp | 20.14%-13.4pp |
| Employer contribution / active EE | $375 | $3,482-89.2% | $5,211-92.8% | $2,281-83.6% |
| Participant deferral / active EE | $4,000 | $4,812-16.9% | $6,282-36.3% | $3,203+24.9% |
| Admin fee / account holder | $2,099 | $5,372-60.9% | $9,324-77.5% | $4,296-51.1% |