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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 | $95,404-31.9% | $113,397-42.7% | $82,637-21.4% |
| Participation rate | 48.6% | 72.8%-24.2pp | 76.5%-27.8pp | 68.1%-19.4pp |
| Annual return | 16.94% | 19.08%-2.1pp | 23.20%-6.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $584 | $2,307-74.7% | $2,977-80.4% | $2,552-77.1% |
| Participant deferral / active EE | $2,101 | $4,220-50.2% | $5,076-58.6% | $4,126-49.1% |
| Admin fee / account holder | $4,248 | $9,168-53.7% | $11,957-64.5% | $7,339-42.1% |