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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 | $43,318 | $99,345-56.4% | $84,753-48.9% | $273,972-84.2% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | 6.56% | 22.93%-16.4pp | 22.78%-16.2pp | 41.46%-34.9pp |
| Employer contribution / active EE | $181 | $4,214-95.7% | $3,574-94.9% | $4,869-96.3% |
| Participant deferral / active EE | $1,181 | $4,270-72.3% | $3,712-68.2% | $5,287-77.7% |
| Admin fee / account holder | $1,129 | $6,645-83.0% | $5,333-78.8% | $10,133-88.9% |