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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 | $95,453-24.8% | $112,040-36.0% | $82,448-13.0% |
| Participation rate | 57.4% | 72.8%-15.3pp | 76.5%-19.0pp | 68.1%-10.6pp |
| Annual return | 12.54% | 23.92%-11.4pp | 24.52%-12.0pp | 41.64%-29.1pp |
| Employer contribution / active EE | $396 | $2,318-82.9% | $2,954-86.6% | $2,551-84.5% |
| Participant deferral / active EE | $3,418 | $4,224-19.1% | $5,098-33.0% | $4,139-17.4% |
| Admin fee / account holder | $46,255 | $9,013+413.2% | $12,098+282.3% | $7,234+539.4% |