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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 | $79,883 | $106,864-25.2% | $147,318-45.8% | $82,637-3.3% |
| Participation rate | 52.0% | 75.5%-23.5pp | 82.1%-30.1pp | 68.1%-16.1pp |
| Annual return | 19.18% | 27.49%-8.3pp | 70.43%-51.2pp | 53.51%-34.3pp |
| Employer contribution / active EE | $312 | $3,417-90.9% | $4,593-93.2% | $2,552-87.8% |
| Participant deferral / active EE | $5,670 | $6,496-12.7% | $7,906-28.3% | $4,126+37.4% |
| Admin fee / account holder | $3,335 | $8,415-60.4% | $13,708-75.7% | $7,339-54.6% |