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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 | $61,716 | $80,983-23.8% | $96,544-36.1% | $75,177-17.9% |
| Participation rate | 52.4% | 71.8%-19.4pp | 76.0%-23.6pp | 67.2%-14.8pp |
| Annual return | 20.77% | 27.05%-6.3pp | 25.88%-5.1pp | 160.75%-140.0pp |
| Employer contribution / active EE | $355 | $2,282-84.5% | $2,966-88.0% | $2,671-86.7% |
| Participant deferral / active EE | $1,970 | $3,929-49.8% | $4,851-59.4% | $4,126-52.3% |
| Admin fee / account holder | $686 | $6,717-89.8% | $8,254-91.7% | $5,651-87.9% |