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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 | $39,557 | $67,602-41.5% | $82,312-51.9% | $70,126-43.6% |
| Participation rate | 47.0% | 72.8%-25.8pp | 76.9%-29.9pp | 69.5%-22.6pp |
| Annual return | 12.99% | 21.57%-8.6pp | 25.88%-12.9pp | 73.15%-60.2pp |
| Employer contribution / active EE | $220 | $1,755-87.4% | $2,428-90.9% | $2,343-90.6% |
| Participant deferral / active EE | $1,565 | $2,987-47.6% | $3,706-57.8% | $3,332-53.0% |
| Admin fee / account holder | $3,511 | $4,512-22.2% | $5,608-37.4% | $4,645-24.4% |