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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 | $67,248 | $78,670-14.5% | $109,173-38.4% | $85,847-21.7% |
| Participation rate | 58.8% | 68.3%-9.5pp | 75.9%-17.1pp | 69.3%-10.5pp |
| Annual return | 17.33% | 25.09%-7.8pp | 25.75%-8.4pp | 318.61%-301.3pp |
| Employer contribution / active EE | $447 | $2,734-83.7% | $3,723-88.0% | $2,565-82.6% |
| Participant deferral / active EE | $3,023 | $3,467-12.8% | $4,654-35.0% | $3,952-23.5% |
| Admin fee / account holder | $878 | $5,469-84.0% | $6,755-87.0% | $6,261-86.0% |