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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 | $48,254 | $59,440-18.8% | $78,004-38.1% | $82,637-41.6% |
| Participation rate | 23.0% | 62.8%-39.9pp | 69.4%-46.5pp | 68.1%-45.1pp |
| Annual return | 13.61% | 40.24%-26.6pp | 31.07%-17.5pp | 53.51%-39.9pp |
| Employer contribution / active EE | $238 | $1,750-86.4% | $2,469-90.4% | $2,552-90.7% |
| Participant deferral / active EE | $2,283 | $3,138-27.3% | $4,092-44.2% | $4,126-44.7% |
| Admin fee / account holder | $3,972 | $5,504-27.8% | $7,578-47.6% | $7,339-45.9% |