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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 | $42,040 | $103,966-59.6% | $112,923-62.8% | $75,177-44.1% |
| Participation rate | 29.6% | 75.7%-46.1pp | 80.5%-50.9pp | 67.2%-37.6pp |
| Annual return | 17.47% | 24.54%-7.1pp | 34.13%-16.7pp | 160.75%-143.3pp |
| Employer contribution / active EE | $700 | $3,870-81.9% | $4,570-84.7% | $2,671-73.8% |
| Participant deferral / active EE | $3,191 | $5,456-41.5% | $6,520-51.1% | $4,126-22.7% |
| Admin fee / account holder | $7,902 | $7,663+3.1% | $7,046+12.1% | $5,651+39.8% |