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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 | $72,436 | $86,940-16.7% | $102,434-29.3% | $80,935-10.5% |
| Participation rate | 40.0% | 72.4%-32.4pp | 76.5%-36.5pp | 67.7%-27.7pp |
| Annual return | 15.27% | 18.89%-3.6pp | 29.46%-14.2pp | 35.66%-20.4pp |
| Employer contribution / active EE | $232 | $2,370-90.2% | $3,023-92.3% | $2,757-91.6% |
| Participant deferral / active EE | $1,856 | $4,121-55.0% | $5,055-63.3% | $4,299-56.8% |
| Admin fee / account holder | $2,081 | $8,047-74.1% | $9,462-78.0% | $6,924-69.9% |