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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 | $58,031 | $78,027-25.6% | $178,528-67.5% | $80,925-28.3% |
| Participation rate | 55.4% | 65.7%-10.3pp | 77.1%-21.7pp | 67.7%-12.3pp |
| Annual return | 10.77% | 18.09%-7.3pp | 27.11%-16.3pp | 35.65%-24.9pp |
| Employer contribution / active EE | $348 | $2,281-84.7% | $3,950-91.2% | $2,756-87.4% |
| Participant deferral / active EE | $3,124 | $4,408-29.1% | $6,278-50.2% | $4,299-27.3% |
| Admin fee / account holder | $11,920 | $7,168+66.3% | $10,419+14.4% | $6,940+71.8% |