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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 | $59,219 | $104,098-43.1% | $140,514-57.9% | $94,015-37.0% |
| Participation rate | 56.3% | 73.7%-17.5pp | 77.8%-21.5pp | 70.8%-14.6pp |
| Annual return | 16.59% | 15.14%+1.5pp | 14.36%+2.2pp | 17.84%-1.3pp |
| Employer contribution / active EE | $392 | $2,388-83.6% | $3,378-88.4% | $2,790-86.0% |
| Participant deferral / active EE | $2,582 | $4,033-36.0% | $4,919-47.5% | $4,249-39.2% |
| Admin fee / account holder | $7,508 | $10,439-28.1% | $13,697-45.2% | $8,951-16.1% |