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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 | $72,974 | $100,194-27.2% | $122,979-40.7% | $86,983-16.1% |
| Participation rate | 47.1% | 73.0%-25.9pp | 77.2%-30.1pp | 69.5%-22.5pp |
| Annual return | 16.84% | 16.47%+0.4pp | 20.12%-3.3pp | 25.83%-9.0pp |
| Employer contribution / active EE | $385 | $2,326-83.5% | $3,062-87.4% | $2,584-85.1% |
| Participant deferral / active EE | $1,915 | $4,133-53.7% | $5,003-61.7% | $4,194-54.3% |
| Admin fee / account holder | $3,179 | $10,148-68.7% | $12,864-75.3% | $7,856-59.5% |