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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 | $40,798 | $60,349-32.4% | $74,184-45.0% | $62,881-35.1% |
| Participation rate | 32.4% | 72.7%-40.3pp | 76.6%-44.2pp | 69.3%-36.9pp |
| Annual return | 6.99% | 21.38%-14.4pp | 17.74%-10.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $339 | $1,680-79.8% | $2,370-85.7% | $2,281-85.1% |
| Participant deferral / active EE | $1,356 | $2,856-52.5% | $3,550-61.8% | $3,203-57.7% |
| Admin fee / account holder | $7,821 | $4,261+83.5% | $5,586+40.0% | $4,296+82.1% |