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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 | $66,782 | $80,781-17.3% | $102,437-34.8% | $74,478-10.3% |
| Participation rate | 39.8% | 65.7%-25.8pp | 74.5%-34.7pp | 67.2%-27.4pp |
| Annual return | 17.30% | 27.58%-10.3pp | 24.95%-7.7pp | 1370.56%-1353.3pp |
| Employer contribution / active EE | $391 | $3,160-87.6% | $3,871-89.9% | $2,626-85.1% |
| Participant deferral / active EE | $2,819 | $3,862-27.0% | $5,060-44.3% | $4,350-35.2% |
| Admin fee / account holder | $6,916 | $2,372+191.5% | $8,388-17.6% | $1,946+255.4% |