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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 | $64,822 | $65,361-0.8% | $92,903-30.2% | $72,983-11.2% |
| Participation rate | 51.6% | 68.3%-16.7pp | 76.0%-24.4pp | 69.5%-17.9pp |
| Annual return | 20.63% | 42.11%-21.5pp | 109.43%-88.8pp | 81.01%-60.4pp |
| Employer contribution / active EE | $579 | $2,594-77.7% | $3,653-84.2% | $2,440-76.3% |
| Participant deferral / active EE | $3,622 | $3,128+15.8% | $4,238-14.5% | $3,608+0.4% |
| Admin fee / account holder | $2,372 | $4,251-44.2% | $5,795-59.1% | $5,124-53.7% |