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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 | $61,450 | $86,919-29.3% | $102,457-40.0% | $80,911-24.1% |
| Participation rate | 46.0% | 72.4%-26.3pp | 76.5%-30.5pp | 67.6%-21.6pp |
| Annual return | 19.22% | 18.90%+0.3pp | 29.41%-10.2pp | 35.63%-16.4pp |
| Employer contribution / active EE | $476 | $2,368-79.9% | $3,022-84.3% | $2,756-82.7% |
| Participant deferral / active EE | $3,608 | $4,119-12.4% | $5,054-28.6% | $4,297-16.0% |
| Admin fee / account holder | $2,650 | $8,049-67.1% | $9,451-72.0% | $6,935-61.8% |