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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 | $77,256 | $96,052-19.6% | $118,106-34.6% | $87,485-11.7% |
| Participation rate | 29.6% | 77.0%-47.4pp | 81.9%-52.2pp | 68.9%-39.3pp |
| Annual return | 17.66% | 24.16%-6.5pp | 19.44%-1.8pp | 26.06%-8.4pp |
| Employer contribution / active EE | $874 | $3,939-77.8% | $4,698-81.4% | $2,596-66.3% |
| Participant deferral / active EE | $4,005 | $5,793-30.9% | $6,619-39.5% | $4,274-6.3% |
| Admin fee / account holder | $6,447 | $7,618-15.4% | $8,973-28.1% | $7,775-17.1% |