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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 | $69,468 | $101,795-31.8% | $165,100-57.9% | $80,959-14.2% |
| Participation rate | 34.2% | 71.8%-37.6pp | 78.6%-44.4pp | 67.7%-33.5pp |
| Annual return | 13.23% | 16.73%-3.5pp | 70.21%-57.0pp | 35.67%-22.4pp |
| Employer contribution / active EE | $322 | $2,954-89.1% | $4,348-92.6% | $2,757-88.3% |
| Participant deferral / active EE | $2,637 | $4,476-41.1% | $6,035-56.3% | $4,300-38.7% |
| Admin fee / account holder | $18,761 | $8,221+128.2% | $12,696+47.8% | $6,925+170.9% |