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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 | $61,342 | $67,602-9.3% | $82,312-25.5% | $70,126-12.5% |
| Participation rate | 55.6% | 72.8%-17.2pp | 76.9%-21.3pp | 69.5%-14.0pp |
| Annual return | 12.25% | 21.57%-9.3pp | 25.88%-13.6pp | 73.15%-60.9pp |
| Employer contribution / active EE | $222 | $1,755-87.3% | $2,428-90.8% | $2,343-90.5% |
| Participant deferral / active EE | $1,688 | $2,987-43.5% | $3,706-54.4% | $3,332-49.3% |
| Admin fee / account holder | $549 | $4,512-87.8% | $5,608-90.2% | $4,645-88.2% |