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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 | $81,457-30.9% | $103,378-45.5% | $80,911-30.4% |
| Participation rate | 36.4% | 66.8%-30.5pp | 74.5%-38.1pp | 67.6%-31.3pp |
| Annual return | 13.98% | 25.58%-11.6pp | 24.91%-10.9pp | 35.63%-21.6pp |
| Employer contribution / active EE | $605 | $3,107-80.5% | $3,870-84.4% | $2,756-78.0% |
| Participant deferral / active EE | $2,571 | $3,871-33.6% | $5,058-49.2% | $4,297-40.2% |
| Admin fee / account holder | $1,996 | $6,717-70.3% | $8,401-76.2% | $6,935-71.2% |