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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 | $64,936 | $95,453-32.0% | $112,040-42.0% | $82,448-21.2% |
| Participation rate | 48.6% | 72.8%-24.1pp | 76.5%-27.8pp | 68.1%-19.4pp |
| Annual return | 16.94% | 23.92%-7.0pp | 24.52%-7.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $584 | $2,318-74.8% | $2,954-80.2% | $2,551-77.1% |
| Participant deferral / active EE | $2,101 | $4,224-50.3% | $5,098-58.8% | $4,139-49.3% |
| Admin fee / account holder | $4,248 | $9,013-52.9% | $12,098-64.9% | $7,234-41.3% |