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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 | $54,362 | $73,787-26.3% | $98,716-44.9% | $82,448-34.1% |
| Participation rate | 13.8% | 61.4%-47.6pp | 69.3%-55.5pp | 68.1%-54.3pp |
| Annual return | 14.82% | 18.57%-3.7pp | 31.81%-17.0pp | 41.64%-26.8pp |
| Employer contribution / active EE | $302 | $1,511-80.0% | $2,279-86.7% | $2,551-88.2% |
| Participant deferral / active EE | $1,628 | $3,081-47.2% | $4,048-59.8% | $4,139-60.7% |
| Admin fee / account holder | $1,569 | $6,500-75.9% | $8,703-82.0% | $7,234-78.3% |