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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 | $69,798 | $79,955-12.7% | $98,450-29.1% | $75,181-7.2% |
| Participation rate | 29.5% | 70.4%-40.8pp | 75.2%-45.6pp | 67.2%-37.7pp |
| Annual return | 17.40% | 19.75%-2.3pp | 21.16%-3.8pp | 160.69%-143.3pp |
| Employer contribution / active EE | $526 | $2,264-76.8% | $3,049-82.7% | $2,671-80.3% |
| Participant deferral / active EE | $2,106 | $3,752-43.9% | $4,739-55.6% | $4,126-49.0% |
| Admin fee / account holder | $1,228 | $6,841-82.1% | $8,961-86.3% | $5,650-78.3% |