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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 | $71,735 | $95,404-24.8% | $113,397-36.7% | $82,637-13.2% |
| Participation rate | 57.4% | 72.8%-15.4pp | 76.5%-19.0pp | 68.1%-10.6pp |
| Annual return | 12.54% | 19.08%-6.5pp | 23.20%-10.7pp | 53.51%-41.0pp |
| Employer contribution / active EE | $396 | $2,307-82.8% | $2,977-86.7% | $2,552-84.5% |
| Participant deferral / active EE | $3,418 | $4,220-19.0% | $5,076-32.7% | $4,126-17.2% |
| Admin fee / account holder | $46,255 | $9,168+404.5% | $11,957+286.9% | $7,339+530.3% |