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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 | $65,424 | $83,485-21.6% | $125,192-47.7% | $72,975-10.3% |
| Participation rate | 38.2% | 73.3%-35.1pp | 79.8%-41.5pp | 69.5%-31.3pp |
| Annual return | 21.96% | 25.77%-3.8pp | 43.79%-21.8pp | 81.01%-59.1pp |
| Employer contribution / active EE | $259 | $2,346-89.0% | $3,866-93.3% | $2,440-89.4% |
| Participant deferral / active EE | $3,320 | $3,586-7.4% | $4,937-32.8% | $3,608-8.0% |
| Admin fee / account holder | $14,510 | $5,518+163.0% | $9,704+49.5% | $5,124+183.2% |