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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 | $68,845 | $87,132-21.0% | $105,624-34.8% | $80,959-15.0% |
| Participation rate | 45.0% | 70.4%-25.4pp | 75.3%-30.3pp | 67.7%-22.7pp |
| Annual return | 14.19% | 17.03%-2.8pp | 116.20%-102.0pp | 35.67%-21.5pp |
| Employer contribution / active EE | $433 | $2,397-81.9% | $3,168-86.3% | $2,757-84.3% |
| Participant deferral / active EE | $2,087 | $3,985-47.6% | $5,013-58.4% | $4,300-51.5% |
| Admin fee / account holder | $2,408 | $8,449-71.5% | $10,961-78.0% | $6,925-65.2% |