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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 | $80,272 | $77,896+3.0% | $134,172-40.2% | $82,448-2.6% |
| Participation rate | 31.6% | 62.8%-31.2pp | 72.5%-40.9pp | 68.1%-36.5pp |
| Annual return | 13.25% | 18.21%-5.0pp | 25.30%-12.0pp | 41.64%-28.4pp |
| Employer contribution / active EE | $493 | $2,159-77.2% | $3,420-85.6% | $2,551-80.7% |
| Participant deferral / active EE | $2,356 | $3,162-25.5% | $4,690-49.8% | $4,139-43.1% |
| Admin fee / account holder | $2,736 | $6,336-56.8% | $12,016-77.2% | $7,234-62.2% |