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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 | $48,693 | $79,955-39.1% | $98,450-50.5% | $75,181-35.2% |
| Participation rate | 64.5% | 70.4%-5.9pp | 75.2%-10.7pp | 67.2%-2.7pp |
| Annual return | 12.93% | 19.75%-6.8pp | 21.16%-8.2pp | 160.69%-147.8pp |
| Employer contribution / active EE | $225 | $2,264-90.1% | $3,049-92.6% | $2,671-91.6% |
| Participant deferral / active EE | $2,380 | $3,752-36.6% | $4,739-49.8% | $4,126-42.3% |
| Admin fee / account holder | $3,835 | $6,841-43.9% | $8,961-57.2% | $5,650-32.1% |