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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 | $49,263 | $79,961-38.4% | $98,462-50.0% | $75,177-34.5% |
| Participation rate | 51.8% | 70.4%-18.6pp | 75.2%-23.4pp | 67.2%-15.4pp |
| Annual return | 16.15% | 19.75%-3.6pp | 21.17%-5.0pp | 160.75%-144.6pp |
| Employer contribution / active EE | $493 | $2,264-78.2% | $3,049-83.8% | $2,671-81.6% |
| Participant deferral / active EE | $2,090 | $3,753-44.3% | $4,738-55.9% | $4,126-49.3% |
| Admin fee / account holder | $4,607 | $6,842-32.7% | $8,875-48.1% | $5,651-18.5% |