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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 | $53,233 | $77,896-31.7% | $134,172-60.3% | $82,448-35.4% |
| Participation rate | 34.5% | 62.8%-28.3pp | 72.5%-38.0pp | 68.1%-33.6pp |
| Annual return | 14.11% | 18.21%-4.1pp | 25.30%-11.2pp | 41.64%-27.5pp |
| Employer contribution / active EE | $375 | $2,159-82.6% | $3,420-89.0% | $2,551-85.3% |
| Participant deferral / active EE | $1,833 | $3,162-42.0% | $4,690-60.9% | $4,139-55.7% |
| Admin fee / account holder | $6,120 | $6,336-3.4% | $12,016-49.1% | $7,234-15.4% |