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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 | $51,828 | $81,487-36.4% | $102,412-49.4% | $80,935-36.0% |
| Participation rate | 46.2% | 66.8%-20.7pp | 74.5%-28.3pp | 67.7%-21.5pp |
| Annual return | 12.54% | 25.60%-13.1pp | 24.94%-12.4pp | 35.66%-23.1pp |
| Employer contribution / active EE | $652 | $3,103-79.0% | $3,870-83.1% | $2,757-76.3% |
| Participant deferral / active EE | $2,652 | $3,871-31.5% | $5,060-47.6% | $4,299-38.3% |
| Admin fee / account holder | $440 | $6,717-93.5% | $8,388-94.8% | $6,924-93.6% |