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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 | $56,940 | $72,027-20.9% | $185,861-69.4% | $79,856-28.7% |
| Participation rate | 36.7% | 65.8%-29.0pp | 78.0%-41.3pp | 69.6%-32.9pp |
| Annual return | 15.87% | 23.13%-7.3pp | 35.96%-20.1pp | 31.71%-15.8pp |
| Employer contribution / active EE | $163 | $1,965-91.7% | $4,088-96.0% | $2,471-93.4% |
| Participant deferral / active EE | $1,343 | $3,780-64.5% | $5,634-76.2% | $3,741-64.1% |
| Admin fee / account holder | $315 | $4,513-93.0% | $9,503-96.7% | $5,306-94.1% |