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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 | $61,447 | $67,602-9.1% | $82,312-25.3% | $70,126-12.4% |
| Participation rate | 55.3% | 72.8%-17.5pp | 76.9%-21.6pp | 69.5%-14.3pp |
| Annual return | 13.45% | 21.57%-8.1pp | 25.88%-12.4pp | 73.15%-59.7pp |
| Employer contribution / active EE | $306 | $1,755-82.5% | $2,428-87.4% | $2,343-86.9% |
| Participant deferral / active EE | $2,688 | $2,987-10.0% | $3,706-27.5% | $3,332-19.3% |
| Admin fee / account holder | $4,064 | $4,512-9.9% | $5,608-27.5% | $4,645-12.5% |