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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 | $36,087 | $41,377-12.8% | $109,313-67.0% | $62,881-42.6% |
| Participation rate | 40.5% | 57.5%-17.0pp | 71.3%-30.7pp | 69.3%-28.8pp |
| Annual return | 6.25% | 11.05%-4.8pp | 22.07%-15.8pp | 20.14%-13.9pp |
| Employer contribution / active EE | $107 | $1,276-91.6% | $3,892-97.2% | $2,281-95.3% |
| Participant deferral / active EE | $1,490 | $2,045-27.1% | $3,166-52.9% | $3,203-53.5% |
| Admin fee / account holder | $1,485 | $2,884-48.5% | $5,666-73.8% | $4,296-65.4% |