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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 | $53,015 | $86,940-39.0% | $102,434-48.2% | $80,935-34.5% |
| Participation rate | 62.3% | 72.4%-10.1pp | 76.5%-14.2pp | 67.7%-5.3pp |
| Annual return | 10.58% | 18.89%-8.3pp | 29.46%-18.9pp | 35.66%-25.1pp |
| Employer contribution / active EE | $290 | $2,370-87.7% | $3,023-90.4% | $2,757-89.5% |
| Participant deferral / active EE | $3,307 | $4,121-19.8% | $5,055-34.6% | $4,299-23.1% |
| Admin fee / account holder | $7,635 | $8,047-5.1% | $9,462-19.3% | $6,924+10.3% |