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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 | $110,137-55.3% | $161,149-69.5% | $82,637-40.5% |
| Participation rate | 50.0% | 72.4%-22.4pp | 78.8%-28.8pp | 68.1%-18.1pp |
| Annual return | 13.12% | 20.69%-7.6pp | 21.16%-8.0pp | 53.51%-40.4pp |
| Employer contribution / active EE | $360 | $2,856-87.4% | $4,360-91.8% | $2,552-85.9% |
| Participant deferral / active EE | $2,150 | $4,575-53.0% | $6,153-65.1% | $4,126-47.9% |
| Admin fee / account holder | $11,799 | $9,467+24.6% | $15,194-22.3% | $7,339+60.8% |