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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 | $25,400 | $32,037-20.7% | $69,182-63.3% | $62,881-59.6% |
| Participation rate | 31.0% | 43.4%-12.4pp | 55.1%-24.1pp | 69.3%-38.3pp |
| Annual return | 7.43% | 15.16%-7.7pp | -21.93%+29.4pp | 20.14%-12.7pp |
| Employer contribution / active EE | $63 | $679-90.7% | $1,206-94.8% | $2,281-97.2% |
| Participant deferral / active EE | $1,257 | $1,185+6.0% | $1,897-33.8% | $3,203-60.8% |
| Admin fee / account holder | $2,242 | $2,608-14.0% | $2,697-16.9% | $4,296-47.8% |