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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 | $86,949-29.0% | $102,460-39.8% | $80,959-23.8% |
| Participation rate | 51.1% | 72.4%-21.3pp | 76.5%-25.4pp | 67.7%-16.6pp |
| Annual return | 15.27% | 18.89%-3.6pp | 29.47%-14.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $324 | $2,370-86.3% | $3,025-89.3% | $2,757-88.3% |
| Participant deferral / active EE | $2,521 | $4,121-38.8% | $5,056-50.1% | $4,300-41.4% |
| Admin fee / account holder | $9,467 | $8,048+17.6% | $9,460+0.1% | $6,925+36.7% |