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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 | $45,227 | $81,358-44.4% | $155,556-70.9% | $80,959-44.1% |
| Participation rate | 56.4% | 66.3%-9.9pp | 78.2%-21.8pp | 67.7%-11.3pp |
| Annual return | 13.49% | 33.39%-19.9pp | 64.84%-51.3pp | 35.67%-22.2pp |
| Employer contribution / active EE | $172 | $3,106-94.5% | $4,675-96.3% | $2,757-93.8% |
| Participant deferral / active EE | $1,868 | $3,455-45.9% | $5,631-66.8% | $4,300-56.6% |
| Admin fee / account holder | $7,333 | $7,994-8.3% | $15,885-53.8% | $6,925+5.9% |