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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 | $44,629 | $81,331-45.1% | $155,534-71.3% | $80,935-44.9% |
| Participation rate | 31.3% | 66.3%-35.0pp | 78.2%-47.0pp | 67.7%-36.4pp |
| Annual return | 13.07% | 33.37%-20.3pp | 64.92%-51.8pp | 35.66%-22.6pp |
| Employer contribution / active EE | $305 | $3,105-90.2% | $4,675-93.5% | $2,757-88.9% |
| Participant deferral / active EE | $3,916 | $3,454+13.4% | $5,630-30.4% | $4,299-8.9% |
| Admin fee / account holder | $615 | $7,999-92.3% | $15,900-96.1% | $6,924-91.1% |