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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 | $29,828 | $67,602-55.9% | $82,312-63.8% | $70,126-57.5% |
| Participation rate | 59.3% | 72.8%-13.5pp | 76.9%-17.6pp | 69.5%-10.2pp |
| Annual return | 19.55% | 21.57%-2.0pp | 25.88%-6.3pp | 73.15%-53.6pp |
| Employer contribution / active EE | $141 | $1,755-92.0% | $2,428-94.2% | $2,343-94.0% |
| Participant deferral / active EE | $3,541 | $2,987+18.5% | $3,706-4.5% | $3,332+6.3% |
| Admin fee / account holder | $2,038 | $4,512-54.8% | $5,608-63.7% | $4,645-56.1% |