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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 | $62,531 | $115,931-46.1% | $185,441-66.3% | $86,983-28.1% |
| Participation rate | 56.8% | 73.6%-16.9pp | 80.3%-23.5pp | 69.5%-12.8pp |
| Annual return | 12.16% | 21.47%-9.3pp | 20.16%-8.0pp | 25.83%-13.7pp |
| Employer contribution / active EE | $610 | $2,937-79.2% | $4,672-86.9% | $2,584-76.4% |
| Participant deferral / active EE | $3,243 | $4,551-28.7% | $6,152-47.3% | $4,194-22.7% |
| Admin fee / account holder | $4,198 | $10,687-60.7% | $17,890-76.5% | $7,856-46.6% |