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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 | $36,556 | $73,787-50.5% | $98,716-63.0% | $82,448-55.7% |
| Participation rate | 14.6% | 61.4%-46.8pp | 69.3%-54.7pp | 68.1%-53.4pp |
| Annual return | 17.99% | 18.57%-0.6pp | 31.81%-13.8pp | 41.64%-23.6pp |
| Employer contribution / active EE | $180 | $1,511-88.1% | $2,279-92.1% | $2,551-93.0% |
| Participant deferral / active EE | $1,303 | $3,081-57.7% | $4,048-67.8% | $4,139-68.5% |
| Admin fee / account holder | $2,332 | $6,500-64.1% | $8,703-73.2% | $7,234-67.8% |