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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 | $69,937 | $101,795-31.3% | $165,100-57.6% | $80,959-13.6% |
| Participation rate | 38.7% | 71.8%-33.1pp | 78.6%-39.9pp | 67.7%-29.0pp |
| Annual return | 12.56% | 16.73%-4.2pp | 70.21%-57.7pp | 35.67%-23.1pp |
| Employer contribution / active EE | $405 | $2,954-86.3% | $4,348-90.7% | $2,757-85.3% |
| Participant deferral / active EE | $3,219 | $4,476-28.1% | $6,035-46.7% | $4,300-25.1% |
| Admin fee / account holder | $5,619 | $8,221-31.6% | $12,696-55.7% | $6,925-18.9% |