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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 | $64,960 | $88,707-26.8% | $74,184-12.4% | $273,972-76.3% |
| Participation rate | 55.6% | 79.4%-23.9pp | 76.6%-21.1pp | 83.0%-27.5pp |
| Annual return | 6.99% | 11.94%-5.0pp | 17.74%-10.7pp | 41.46%-34.5pp |
| Employer contribution / active EE | $200 | $3,159-93.7% | $2,370-91.6% | $4,869-95.9% |
| Participant deferral / active EE | $1,726 | $4,212-59.0% | $3,550-51.4% | $5,287-67.4% |
| Admin fee / account holder | $643 | $8,717-92.6% | $5,586-88.5% | $10,133-93.7% |