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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 | $38,001 | $76,551-50.4% | $123,894-69.3% | $62,881-39.6% |
| Participation rate | 27.9% | 73.0%-45.1pp | 81.4%-53.5pp | 69.3%-41.4pp |
| Annual return | 6.71% | 18.68%-12.0pp | 47.52%-40.8pp | 20.14%-13.4pp |
| Employer contribution / active EE | $230 | $2,882-92.0% | $4,617-95.0% | $2,281-89.9% |
| Participant deferral / active EE | $4,227 | $4,840-12.7% | $5,984-29.4% | $3,203+32.0% |
| Admin fee / account holder | $2,903 | $4,826-39.8% | $8,357-65.3% | $4,296-32.4% |