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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 | $56,987 | $83,485-31.7% | $125,195-54.5% | $72,976-21.9% |
| Participation rate | 53.3% | 73.3%-20.0pp | 79.8%-26.4pp | 69.5%-16.2pp |
| Annual return | 32.05% | 25.77%+6.3pp | 43.79%-11.7pp | 81.02%-49.0pp |
| Employer contribution / active EE | $447 | $2,346-80.9% | $3,866-88.4% | $2,440-81.7% |
| Participant deferral / active EE | $1,916 | $3,586-46.6% | $4,937-61.2% | $3,608-46.9% |
| Admin fee / account holder | $2,039 | $5,518-63.0% | $9,704-79.0% | $5,124-60.2% |