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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 | $48,243 | $62,672-23.0% | $185,117-73.9% | $70,126-31.2% |
| Participation rate | 55.8% | 63.8%-8.0pp | 77.3%-21.5pp | 69.5%-13.7pp |
| Annual return | 17.55% | 40.79%-23.2pp | 40.50%-22.9pp | 73.15%-55.6pp |
| Employer contribution / active EE | $255 | $1,753-85.5% | $4,182-93.9% | $2,343-89.1% |
| Participant deferral / active EE | $1,800 | $3,272-45.0% | $5,045-64.3% | $3,332-46.0% |
| Admin fee / account holder | $2,844 | $3,932-27.7% | $8,159-65.1% | $4,645-38.8% |