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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 | $45,320 | $110,137-58.9% | $161,149-71.9% | $82,637-45.2% |
| Participation rate | 56.1% | 72.4%-16.3pp | 78.8%-22.7pp | 68.1%-12.0pp |
| Annual return | 15.85% | 20.69%-4.8pp | 21.16%-5.3pp | 53.51%-37.7pp |
| Employer contribution / active EE | $662 | $2,856-76.8% | $4,360-84.8% | $2,552-74.1% |
| Participant deferral / active EE | $2,783 | $4,575-39.2% | $6,153-54.8% | $4,126-32.5% |
| Admin fee / account holder | $1,625 | $9,467-82.8% | $15,194-89.3% | $7,339-77.9% |