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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 | $50,837 | $86,940-41.5% | $102,434-50.4% | $80,935-37.2% |
| Participation rate | 69.4% | 72.4%-2.9pp | 76.5%-7.1pp | 67.7%+1.8pp |
| Annual return | 12.25% | 18.89%-6.6pp | 29.46%-17.2pp | 35.66%-23.4pp |
| Employer contribution / active EE | $466 | $2,370-80.3% | $3,023-84.6% | $2,757-83.1% |
| Participant deferral / active EE | $3,078 | $4,121-25.3% | $5,055-39.1% | $4,299-28.4% |
| Admin fee / account holder | $4,926 | $8,047-38.8% | $9,462-47.9% | $6,924-28.9% |