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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 | $56,861 | $51,895+9.6% | $93,063-38.9% | $79,634-28.6% |
| Participation rate | 20.3% | 52.6%-32.3pp | 72.1%-51.8pp | 62.5%-42.2pp |
| Annual return | 17.50% | 18.14%-0.6pp | 34.15%-16.7pp | 36.46%-19.0pp |
| Employer contribution / active EE | $399 | $1,561-74.5% | $2,476-83.9% | $2,529-84.2% |
| Participant deferral / active EE | $1,695 | $2,964-42.8% | $3,958-57.2% | $3,835-55.8% |
| Admin fee / account holder | $5,327 | $657+710.8% | $6,033-11.7% | $1,002+431.7% |