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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 | $52,750 | $83,485-36.8% | $125,192-57.9% | $72,975-27.7% |
| Participation rate | 59.5% | 73.3%-13.8pp | 79.8%-20.3pp | 69.5%-10.0pp |
| Annual return | 16.98% | 25.77%-8.8pp | 43.79%-26.8pp | 81.01%-64.0pp |
| Employer contribution / active EE | $380 | $2,346-83.8% | $3,866-90.2% | $2,440-84.4% |
| Participant deferral / active EE | $2,119 | $3,586-40.9% | $4,937-57.1% | $3,608-41.3% |
| Admin fee / account holder | $1,472 | $5,518-73.3% | $9,704-84.8% | $5,124-71.3% |