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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 | $81,857 | $95,404-14.2% | $113,397-27.8% | $82,637-0.9% |
| Participation rate | 37.3% | 72.8%-35.5pp | 76.5%-39.1pp | 68.1%-30.7pp |
| Annual return | 15.85% | 19.08%-3.2pp | 23.20%-7.3pp | 53.51%-37.7pp |
| Employer contribution / active EE | $502 | $2,307-78.2% | $2,977-83.1% | $2,552-80.3% |
| Participant deferral / active EE | $3,733 | $4,220-11.5% | $5,076-26.5% | $4,126-9.5% |
| Admin fee / account holder | $5,816 | $9,168-36.6% | $11,957-51.4% | $7,339-20.8% |