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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 | $59,012 | $76,371-22.7% | $93,621-37.0% | $72,976-19.1% |
| Participation rate | 45.2% | 71.8%-26.6pp | 75.8%-30.7pp | 69.5%-24.3pp |
| Annual return | 21.81% | 25.82%-4.0pp | 32.76%-10.9pp | 81.02%-59.2pp |
| Employer contribution / active EE | $199 | $2,276-91.2% | $2,719-92.7% | $2,440-91.8% |
| Participant deferral / active EE | $1,629 | $3,538-54.0% | $4,070-60.0% | $3,608-54.9% |
| Admin fee / account holder | $2,175 | $6,839-68.2% | $7,890-72.4% | $5,124-57.6% |