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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 | $64,670 | $181,896-64.4% | $156,551-58.7% | $273,972-76.4% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | 8.08% | 30.74%-22.7pp | 32.23%-24.2pp | 41.46%-33.4pp |
| Employer contribution / active EE | $931 | $6,248-85.1% | $5,501-83.1% | $4,869-80.9% |
| Participant deferral / active EE | $4,406 | $5,550-20.6% | $4,871-9.6% | $5,287-16.7% |
| Admin fee / account holder | $5,450 | $15,560-65.0% | $13,028-58.2% | $10,133-46.2% |