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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 | $42,303 | $99,345-57.4% | $84,753-50.1% | $273,972-84.6% |
| Participation rate | 43.5% | 80.7%-37.2pp | 76.6%-33.1pp | 83.0%-39.5pp |
| Annual return | 7.20% | 22.93%-15.7pp | 22.78%-15.6pp | 41.46%-34.3pp |
| Employer contribution / active EE | $510 | $4,214-87.9% | $3,574-85.7% | $4,869-89.5% |
| Participant deferral / active EE | $2,144 | $4,270-49.8% | $3,712-42.2% | $5,287-59.4% |
| Admin fee / account holder | $909 | $6,645-86.3% | $5,333-83.0% | $10,133-91.0% |