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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 | $46,116 | $76,112-39.4% | $96,534-52.2% | $71,511-35.5% |
| Participation rate | 39.6% | 74.4%-34.8pp | 76.0%-36.4pp | 67.9%-28.4pp |
| Annual return | 19.22% | 22.81%-3.6pp | 25.88%-6.7pp | 28.86%-9.6pp |
| Employer contribution / active EE | $665 | $2,248-70.4% | $2,965-77.6% | $2,589-74.3% |
| Participant deferral / active EE | $3,688 | $4,217-12.5% | $4,851-24.0% | $4,291-14.0% |
| Admin fee / account holder | $744 | $2,708-72.5% | $8,253-91.0% | $1,588-53.2% |