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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 | $115,931-28.0% | $185,441-55.0% | $86,983-4.1% |
| Participation rate | 34.1% | 73.6%-39.5pp | 80.3%-46.2pp | 69.5%-35.5pp |
| Annual return | 40.43% | 21.47%+19.0pp | 20.16%+20.3pp | 25.83%+14.6pp |
| Employer contribution / active EE | $380 | $2,937-87.0% | $4,672-91.9% | $2,584-85.3% |
| Participant deferral / active EE | $2,509 | $4,551-44.9% | $6,152-59.2% | $4,194-40.2% |
| Admin fee / account holder | $9,475 | $10,687-11.3% | $17,890-47.0% | $7,856+20.6% |