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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 | $45,225 | $60,349-25.1% | $74,184-39.0% | $62,881-28.1% |
| Participation rate | 51.9% | 72.7%-20.9pp | 76.6%-24.8pp | 69.3%-17.5pp |
| Annual return | 5.63% | 21.38%-15.7pp | 17.74%-12.1pp | 20.14%-14.5pp |
| Employer contribution / active EE | $335 | $1,680-80.1% | $2,370-85.9% | $2,281-85.3% |
| Participant deferral / active EE | $1,339 | $2,856-53.1% | $3,550-62.3% | $3,203-58.2% |
| Admin fee / account holder | $2,238 | $4,261-47.5% | $5,586-59.9% | $4,296-47.9% |