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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 | $56,495 | $87,834-35.7% | $133,975-57.8% | $62,881-10.2% |
| Participation rate | 47.4% | 83.4%-36.0pp | 87.1%-39.7pp | 69.3%-21.9pp |
| Annual return | 7.87% | 12.05%-4.2pp | 29.29%-21.4pp | 20.14%-12.3pp |
| Employer contribution / active EE | $384 | $3,482-89.0% | $5,211-92.6% | $2,281-83.2% |
| Participant deferral / active EE | $7,735 | $4,812+60.8% | $6,282+23.1% | $3,203+141.5% |
| Admin fee / account holder | $2,916 | $5,372-45.7% | $9,324-68.7% | $4,296-32.1% |