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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 | $70,443 | $97,550-27.8% | $120,344-41.5% | $87,485-19.5% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.7%-14.2pp | 68.9%-6.4pp |
| Annual return | 16.97% | 18.41%-1.4pp | 20.30%-3.3pp | 26.06%-9.1pp |
| Employer contribution / active EE | $529 | $2,291-76.9% | $3,020-82.5% | $2,596-79.6% |
| Participant deferral / active EE | $2,351 | $4,230-44.4% | $5,135-54.2% | $4,274-45.0% |
| Admin fee / account holder | $1,165 | $9,543-87.8% | $12,742-90.9% | $7,775-85.0% |