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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 | $53,723 | $108,825-50.6% | $156,181-65.6% | $82,448-34.8% |
| Participation rate | 47.1% | 72.4%-25.2pp | 78.8%-31.7pp | 68.1%-20.9pp |
| Annual return | 14.01% | 20.59%-6.6pp | 64.87%-50.9pp | 41.64%-27.6pp |
| Employer contribution / active EE | $642 | $2,870-77.6% | $4,294-85.0% | $2,551-74.8% |
| Participant deferral / active EE | $2,026 | $4,577-55.7% | $6,132-67.0% | $4,139-51.0% |
| Admin fee / account holder | $6,948 | $9,341-25.6% | $14,586-52.4% | $7,234-4.0% |