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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 | $83,424 | $114,712-27.3% | $173,730-52.0% | $87,485-4.6% |
| Participation rate | 34.1% | 73.0%-38.9pp | 79.6%-45.5pp | 68.9%-34.8pp |
| Annual return | 40.43% | 20.18%+20.2pp | 19.96%+20.5pp | 26.06%+14.4pp |
| Employer contribution / active EE | $380 | $2,904-86.9% | $4,577-91.7% | $2,596-85.3% |
| Participant deferral / active EE | $2,509 | $4,642-46.0% | $6,326-60.3% | $4,274-41.3% |
| Admin fee / account holder | $9,475 | $10,210-7.2% | $17,523-45.9% | $7,775+21.9% |