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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 | $38,638 | $53,774-28.1% | $134,162-71.2% | $79,852-51.6% |
| Participation rate | 34.0% | 58.8%-24.8pp | 72.2%-38.2pp | 69.6%-35.6pp |
| Annual return | 13.61% | 19.01%-5.4pp | 36.35%-22.7pp | 31.72%-18.1pp |
| Employer contribution / active EE | $166 | $1,322-87.5% | $3,705-95.5% | $2,471-93.3% |
| Participant deferral / active EE | $1,221 | $2,420-49.5% | $3,500-65.1% | $3,740-67.4% |
| Admin fee / account holder | $544 | $3,985-86.3% | $6,685-91.9% | $5,306-89.7% |