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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 | $54,247 | $106,749-49.2% | $145,433-62.7% | $82,448-34.2% |
| Participation rate | 39.4% | 75.6%-36.3pp | 82.1%-42.7pp | 68.1%-28.7pp |
| Annual return | 16.81% | 27.59%-10.8pp | 66.58%-49.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $400 | $3,444-88.4% | $4,554-91.2% | $2,551-84.3% |
| Participant deferral / active EE | $2,834 | $6,519-56.5% | $7,897-64.1% | $4,139-31.5% |
| Admin fee / account holder | $5,241 | $8,390-37.5% | $13,129-60.1% | $7,234-27.6% |