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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 | $51,206 | $73,955-30.8% | $96,520-46.9% | $75,181-31.9% |
| Participation rate | 37.8% | 66.4%-28.6pp | 74.3%-36.5pp | 67.2%-29.4pp |
| Annual return | 20.65% | 26.72%-6.1pp | 35.72%-15.1pp | 160.69%-140.0pp |
| Employer contribution / active EE | $258 | $2,930-91.2% | $3,739-93.1% | $2,671-90.3% |
| Participant deferral / active EE | $3,110 | $3,659-15.0% | $4,879-36.3% | $4,126-24.6% |
| Admin fee / account holder | $9,782 | $5,217+87.5% | $6,733+45.3% | $5,650+73.1% |