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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 | $52,854 | $86,938-39.2% | $102,423-48.4% | $80,925-34.7% |
| Participation rate | 53.7% | 72.4%-18.7pp | 76.5%-22.8pp | 67.7%-14.0pp |
| Annual return | 13.10% | 18.89%-5.8pp | 29.42%-16.3pp | 35.65%-22.6pp |
| Employer contribution / active EE | $555 | $2,369-76.6% | $3,023-81.6% | $2,756-79.9% |
| Participant deferral / active EE | $3,508 | $4,120-14.9% | $5,054-30.6% | $4,299-18.4% |
| Admin fee / account holder | $6,727 | $8,053-16.5% | $9,455-28.8% | $6,940-3.1% |