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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 | $51,224 | $89,698-42.9% | $103,464-50.5% | $80,874-36.7% |
| Participation rate | 36.1% | 76.0%-39.9pp | 80.5%-44.4pp | 67.6%-31.5pp |
| Annual return | 11.58% | 22.78%-11.2pp | 23.91%-12.3pp | 35.62%-24.0pp |
| Employer contribution / active EE | $970 | $4,018-75.9% | $4,677-79.3% | $2,756-64.8% |
| Participant deferral / active EE | $4,270 | $5,456-21.7% | $6,624-35.5% | $4,297-0.6% |
| Admin fee / account holder | $15,907 | $6,768+135.0% | $9,410+69.1% | $6,935+129.4% |