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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 | $65,281 | $101,798-35.9% | $165,071-60.5% | $80,935-19.3% |
| Participation rate | 64.0% | 71.8%-7.8pp | 78.6%-14.6pp | 67.7%-3.7pp |
| Annual return | 13.92% | 16.73%-2.8pp | 70.17%-56.3pp | 35.66%-21.7pp |
| Employer contribution / active EE | $734 | $2,954-75.2% | $4,347-83.1% | $2,757-73.4% |
| Participant deferral / active EE | $2,612 | $4,476-41.6% | $6,035-56.7% | $4,299-39.2% |
| Admin fee / account holder | $6,285 | $8,221-23.6% | $12,695-50.5% | $6,924-9.2% |