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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 | $58,903 | $89,532-34.2% | $103,447-43.1% | $80,925-27.2% |
| Participation rate | 27.8% | 76.0%-48.3pp | 80.5%-52.8pp | 67.7%-39.9pp |
| Annual return | 12.73% | 22.80%-10.1pp | 23.92%-11.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $983 | $4,023-75.6% | $4,678-79.0% | $2,756-64.3% |
| Participant deferral / active EE | $1,834 | $5,459-66.4% | $6,624-72.3% | $4,299-57.3% |
| Admin fee / account holder | $1,399 | $6,774-79.4% | $9,415-85.1% | $6,940-79.8% |