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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 | $76,309 | $86,940-12.2% | $102,434-25.5% | $80,935-5.7% |
| Participation rate | 31.3% | 72.4%-41.1pp | 76.5%-45.3pp | 67.7%-36.4pp |
| Annual return | 13.57% | 18.89%-5.3pp | 29.46%-15.9pp | 35.66%-22.1pp |
| Employer contribution / active EE | $286 | $2,370-87.9% | $3,023-90.6% | $2,757-89.6% |
| Participant deferral / active EE | $2,859 | $4,121-30.6% | $5,055-43.4% | $4,299-33.5% |
| Admin fee / account holder | $2,356 | $8,047-70.7% | $9,462-75.1% | $6,924-66.0% |