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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 | $29,383 | $72,114-59.3% | $108,745-73.0% | $62,881-53.3% |
| Participation rate | 51.5% | 74.6%-23.1pp | 77.7%-26.2pp | 69.3%-17.8pp |
| Annual return | 6.25% | 13.41%-7.2pp | 46.22%-40.0pp | 20.14%-13.9pp |
| Employer contribution / active EE | $309 | $2,694-88.5% | $3,323-90.7% | $2,281-86.4% |
| Participant deferral / active EE | $1,877 | $4,044-53.6% | $5,121-63.3% | $3,203-41.4% |
| Admin fee / account holder | $903 | $4,608-80.4% | $6,144-85.3% | $4,296-79.0% |