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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 | $45,521 | $95,453-52.3% | $112,040-59.4% | $82,448-44.8% |
| Participation rate | 63.5% | 72.8%-9.2pp | 76.5%-13.0pp | 68.1%-4.5pp |
| Annual return | 16.37% | 23.92%-7.5pp | 24.52%-8.1pp | 41.64%-25.3pp |
| Employer contribution / active EE | $588 | $2,318-74.6% | $2,954-80.1% | $2,551-77.0% |
| Participant deferral / active EE | $2,113 | $4,224-50.0% | $5,098-58.6% | $4,139-49.0% |
| Admin fee / account holder | $698 | $9,013-92.3% | $12,098-94.2% | $7,234-90.4% |