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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 | $56,308 | $81,504-30.9% | $102,437-45.0% | $80,959-30.4% |
| Participation rate | 36.4% | 66.9%-30.5pp | 74.5%-38.1pp | 67.7%-31.3pp |
| Annual return | 13.98% | 25.60%-11.6pp | 24.95%-11.0pp | 35.67%-21.7pp |
| Employer contribution / active EE | $605 | $3,104-80.5% | $3,871-84.4% | $2,757-78.1% |
| Participant deferral / active EE | $2,571 | $3,871-33.6% | $5,060-49.2% | $4,300-40.2% |
| Admin fee / account holder | $1,996 | $6,719-70.3% | $8,388-76.2% | $6,925-71.2% |