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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 | $35,074 | $67,894-48.3% | $89,340-60.7% | $82,448-57.5% |
| Participation rate | 29.1% | 64.0%-35.0pp | 69.6%-40.5pp | 68.1%-39.0pp |
| Annual return | 15.30% | 19.21%-3.9pp | 20.57%-5.3pp | 41.64%-26.3pp |
| Employer contribution / active EE | $14 | $1,828-99.2% | $2,231-99.4% | $2,551-99.5% |
| Participant deferral / active EE | $1,671 | $3,072-45.6% | $3,823-56.3% | $4,139-59.6% |
| Admin fee / account holder | $5,129 | $5,723-10.4% | $6,704-23.5% | $7,234-29.1% |