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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 | $68,475 | $100,194-31.7% | $122,979-44.3% | $86,983-21.3% |
| Participation rate | 64.3% | 73.0%-8.7pp | 77.2%-12.9pp | 69.5%-5.3pp |
| Annual return | 13.25% | 16.47%-3.2pp | 20.12%-6.9pp | 25.83%-12.6pp |
| Employer contribution / active EE | $549 | $2,326-76.4% | $3,062-82.1% | $2,584-78.8% |
| Participant deferral / active EE | $3,222 | $4,133-22.0% | $5,003-35.6% | $4,194-23.2% |
| Admin fee / account holder | $6,814 | $10,148-32.8% | $12,864-47.0% | $7,856-13.3% |