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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 | $74,714 | $96,052-22.2% | $118,106-36.7% | $87,485-14.6% |
| Participation rate | 18.5% | 77.0%-58.5pp | 81.9%-63.4pp | 68.9%-50.4pp |
| Annual return | 15.55% | 24.16%-8.6pp | 19.44%-3.9pp | 26.06%-10.5pp |
| Employer contribution / active EE | $750 | $3,939-80.9% | $4,698-84.0% | $2,596-71.1% |
| Participant deferral / active EE | $3,388 | $5,793-41.5% | $6,619-48.8% | $4,274-20.7% |
| Admin fee / account holder | $13,858 | $7,618+81.9% | $8,973+54.4% | $7,775+78.2% |