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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 | $32,813 | $76,551-57.1% | $123,894-73.5% | $62,881-47.8% |
| Participation rate | 40.0% | 73.0%-33.0pp | 81.4%-41.4pp | 69.3%-29.3pp |
| Annual return | 9.43% | 18.68%-9.2pp | 47.52%-38.1pp | 20.14%-10.7pp |
| Employer contribution / active EE | $373 | $2,882-87.0% | $4,617-91.9% | $2,281-83.6% |
| Participant deferral / active EE | $2,829 | $4,840-41.5% | $5,984-52.7% | $3,203-11.7% |
| Admin fee / account holder | $1,700 | $4,826-64.8% | $8,357-79.7% | $4,296-60.4% |