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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 | $72,243 | $80,992-10.8% | $96,534-25.2% | $75,173-3.9% |
| Participation rate | 48.2% | 71.8%-23.6pp | 76.0%-27.8pp | 67.2%-19.0pp |
| Annual return | 14.38% | 27.05%-12.7pp | 25.88%-11.5pp | 160.72%-146.3pp |
| Employer contribution / active EE | $637 | $2,283-72.1% | $2,965-78.5% | $2,671-76.2% |
| Participant deferral / active EE | $3,263 | $3,929-17.0% | $4,851-32.7% | $4,126-20.9% |
| Admin fee / account holder | $5,182 | $6,717-22.9% | $8,253-37.2% | $5,651-8.3% |