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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 | $49,200 | $114,712-57.1% | $173,730-71.7% | $87,485-43.8% |
| Participation rate | 50.0% | 73.0%-23.0pp | 79.6%-29.6pp | 68.9%-18.9pp |
| Annual return | 13.12% | 20.18%-7.1pp | 19.96%-6.8pp | 26.06%-12.9pp |
| Employer contribution / active EE | $360 | $2,904-87.6% | $4,577-92.1% | $2,596-86.2% |
| Participant deferral / active EE | $2,150 | $4,642-53.7% | $6,326-66.0% | $4,274-49.7% |
| Admin fee / account holder | $11,799 | $10,210+15.6% | $17,523-32.7% | $7,775+51.8% |