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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 | $95,453-38.0% | $112,040-47.1% | $82,448-28.2% |
| Participation rate | 56.3% | 72.8%-16.5pp | 76.5%-20.2pp | 68.1%-11.8pp |
| Annual return | 16.59% | 23.92%-7.3pp | 24.52%-7.9pp | 41.64%-25.0pp |
| Employer contribution / active EE | $392 | $2,318-83.1% | $2,954-86.7% | $2,551-84.6% |
| Participant deferral / active EE | $2,582 | $4,224-38.9% | $5,098-49.4% | $4,139-37.6% |
| Admin fee / account holder | $7,508 | $9,013-16.7% | $12,098-37.9% | $7,234+3.8% |