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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 | $61,699 | $86,922-29.0% | $102,438-39.8% | $80,874-23.7% |
| Participation rate | 51.1% | 72.4%-21.3pp | 76.5%-25.4pp | 67.6%-16.6pp |
| Annual return | 15.27% | 18.90%-3.6pp | 29.37%-14.1pp | 35.62%-20.3pp |
| Employer contribution / active EE | $324 | $2,369-86.3% | $3,024-89.3% | $2,756-88.3% |
| Participant deferral / active EE | $2,521 | $4,119-38.8% | $5,054-50.1% | $4,297-41.3% |
| Admin fee / account holder | $9,467 | $8,050+17.6% | $9,448+0.2% | $6,935+36.5% |