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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 | $55,790 | $67,602-17.5% | $82,312-32.2% | $70,126-20.4% |
| Participation rate | 50.8% | 72.8%-22.0pp | 76.9%-26.1pp | 69.5%-18.7pp |
| Annual return | 17.70% | 21.57%-3.9pp | 25.88%-8.2pp | 73.15%-55.5pp |
| Employer contribution / active EE | $321 | $1,755-81.7% | $2,428-86.8% | $2,343-86.3% |
| Participant deferral / active EE | $3,208 | $2,987+7.4% | $3,706-13.5% | $3,332-3.7% |
| Admin fee / account holder | $848 | $4,512-81.2% | $5,608-84.9% | $4,645-81.7% |