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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 | $52,555 | $73,787-28.8% | $98,716-46.8% | $82,448-36.3% |
| Participation rate | 51.2% | 61.4%-10.2pp | 69.3%-18.1pp | 68.1%-16.9pp |
| Annual return | 12.87% | 18.57%-5.7pp | 31.81%-18.9pp | 41.64%-28.8pp |
| Employer contribution / active EE | $119 | $1,511-92.1% | $2,279-94.8% | $2,551-95.3% |
| Participant deferral / active EE | $3,213 | $3,081+4.3% | $4,048-20.6% | $4,139-22.4% |
| Admin fee / account holder | $1,229 | $6,500-81.1% | $8,703-85.9% | $7,234-83.0% |