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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 | $70,517 | $72,273-2.4% | $101,275-30.4% | $79,856-11.7% |
| Participation rate | 38.0% | 68.5%-30.4pp | 75.8%-37.8pp | 69.6%-31.6pp |
| Annual return | 12.24% | 22.30%-10.1pp | 46.48%-34.2pp | 31.71%-19.5pp |
| Employer contribution / active EE | $355 | $2,691-86.8% | $3,660-90.3% | $2,471-85.6% |
| Participant deferral / active EE | $3,063 | $3,282-6.6% | $4,371-29.9% | $3,741-18.1% |
| Admin fee / account holder | $1,181 | $4,401-73.2% | $5,948-80.1% | $5,306-77.7% |