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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 | $57,599 | $59,440-3.1% | $78,004-26.2% | $82,637-30.3% |
| Participation rate | 50.0% | 62.8%-12.8pp | 69.4%-19.4pp | 68.1%-18.1pp |
| Annual return | 14.92% | 40.24%-25.3pp | 31.07%-16.1pp | 53.51%-38.6pp |
| Employer contribution / active EE | $278 | $1,750-84.1% | $2,469-88.7% | $2,552-89.1% |
| Participant deferral / active EE | $1,971 | $3,138-37.2% | $4,092-51.8% | $4,126-52.2% |
| Admin fee / account holder | $8,063 | $5,504+46.5% | $7,578+6.4% | $7,339+9.9% |