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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 | $89,862 | $114,712-21.7% | $173,730-48.3% | $87,485+2.7% |
| Participation rate | 52.0% | 73.0%-21.0pp | 79.6%-27.6pp | 68.9%-16.9pp |
| Annual return | 16.53% | 20.18%-3.7pp | 19.96%-3.4pp | 26.06%-9.5pp |
| Employer contribution / active EE | $478 | $2,904-83.5% | $4,577-89.6% | $2,596-81.6% |
| Participant deferral / active EE | $3,651 | $4,642-21.3% | $6,326-42.3% | $4,274-14.6% |
| Admin fee / account holder | $3,235 | $10,210-68.3% | $17,523-81.5% | $7,775-58.4% |