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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 | $49,284 | $81,504-39.5% | $102,437-51.9% | $80,959-39.1% |
| Participation rate | 36.0% | 66.9%-30.8pp | 74.5%-38.5pp | 67.7%-31.6pp |
| Annual return | 12.25% | 25.60%-13.3pp | 24.95%-12.7pp | 35.67%-23.4pp |
| Employer contribution / active EE | $244 | $3,104-92.1% | $3,871-93.7% | $2,757-91.2% |
| Participant deferral / active EE | $2,832 | $3,871-26.8% | $5,060-44.0% | $4,300-34.1% |
| Admin fee / account holder | $1,420 | $6,719-78.9% | $8,388-83.1% | $6,925-79.5% |