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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 | $48,007 | $60,349-20.5% | $74,184-35.3% | $62,881-23.7% |
| Participation rate | 26.9% | 72.7%-45.8pp | 76.6%-49.7pp | 69.3%-42.4pp |
| Annual return | 6.38% | 21.38%-15.0pp | 17.74%-11.4pp | 20.14%-13.8pp |
| Employer contribution / active EE | $138 | $1,680-91.8% | $2,370-94.2% | $2,281-94.0% |
| Participant deferral / active EE | $1,388 | $2,856-51.4% | $3,550-60.9% | $3,203-56.7% |
| Admin fee / account holder | $474 | $4,261-88.9% | $5,586-91.5% | $4,296-89.0% |