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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 | $58,437 | $109,620-46.7% | $148,496-60.6% | $94,015-37.8% |
| Participation rate | 51.2% | 71.3%-20.1pp | 76.0%-24.9pp | 70.8%-19.7pp |
| Annual return | 16.37% | 17.54%-1.2pp | 12.33%+4.0pp | 17.84%-1.5pp |
| Employer contribution / active EE | $222 | $2,618-91.5% | $3,497-93.7% | $2,790-92.0% |
| Participant deferral / active EE | $2,364 | $3,831-38.3% | $4,808-50.8% | $4,249-44.4% |
| Admin fee / account holder | $5,357 | $10,050-46.7% | $19,547-72.6% | $8,951-40.2% |