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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 | $72,107 | $110,137-34.5% | $161,149-55.3% | $82,637-12.7% |
| Participation rate | 56.7% | 72.4%-15.7pp | 78.8%-22.2pp | 68.1%-11.4pp |
| Annual return | 13.30% | 20.69%-7.4pp | 21.16%-7.9pp | 53.51%-40.2pp |
| Employer contribution / active EE | $400 | $2,856-86.0% | $4,360-90.8% | $2,552-84.3% |
| Participant deferral / active EE | $4,078 | $4,575-10.9% | $6,153-33.7% | $4,126-1.2% |
| Admin fee / account holder | $10,945 | $9,467+15.6% | $15,194-28.0% | $7,339+49.1% |