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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 | $36,589 | $67,894-46.1% | $89,340-59.0% | $82,448-55.6% |
| Participation rate | 40.5% | 64.0%-23.5pp | 69.6%-29.0pp | 68.1%-27.5pp |
| Annual return | 13.57% | 19.21%-5.6pp | 20.57%-7.0pp | 41.64%-28.1pp |
| Employer contribution / active EE | $206 | $1,828-88.7% | $2,231-90.8% | $2,551-91.9% |
| Participant deferral / active EE | $2,032 | $3,072-33.9% | $3,823-46.9% | $4,139-50.9% |
| Admin fee / account holder | $2,744 | $5,723-52.1% | $6,704-59.1% | $7,234-62.1% |