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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 | $78,888 | $104,098-24.2% | $140,514-43.9% | $94,015-16.1% |
| Participation rate | 40.7% | 73.7%-33.0pp | 77.8%-37.1pp | 70.8%-30.1pp |
| Annual return | 12.87% | 15.14%-2.3pp | 14.36%-1.5pp | 17.84%-5.0pp |
| Employer contribution / active EE | $124 | $2,388-94.8% | $3,378-96.3% | $2,790-95.6% |
| Participant deferral / active EE | $2,509 | $4,033-37.8% | $4,919-49.0% | $4,249-40.9% |
| Admin fee / account holder | $6,126 | $10,439-41.3% | $13,697-55.3% | $8,951-31.6% |