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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 | $35,902 | $56,894-36.9% | $84,753-57.6% | $62,881-42.9% |
| Participation rate | 38.7% | 68.5%-29.8pp | 76.6%-37.9pp | 69.3%-30.6pp |
| Annual return | 23.22% | 6.30%+16.9pp | 22.78%+0.4pp | 20.14%+3.1pp |
| Employer contribution / active EE | $312 | $2,400-87.0% | $3,574-91.3% | $2,281-86.3% |
| Participant deferral / active EE | $1,651 | $2,709-39.1% | $3,712-55.5% | $3,203-48.5% |
| Admin fee / account holder | $415 | $3,581-88.4% | $5,333-92.2% | $4,296-90.3% |