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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 | $72,607-51.7% | $90,259-61.1% | $87,485-59.9% |
| Participation rate | 29.1% | 64.8%-35.7pp | 70.7%-41.7pp | 68.9%-39.9pp |
| Annual return | 15.30% | 18.59%-3.3pp | 18.88%-3.6pp | 26.06%-10.8pp |
| Employer contribution / active EE | $14 | $1,919-99.3% | $2,291-99.4% | $2,596-99.5% |
| Participant deferral / active EE | $1,671 | $3,055-45.3% | $3,827-56.3% | $4,274-60.9% |
| Admin fee / account holder | $5,129 | $5,947-13.7% | $7,267-29.4% | $7,775-34.0% |