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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 | $55,226 | $95,404-42.1% | $113,397-51.3% | $82,637-33.2% |
| Participation rate | 67.1% | 72.8%-5.7pp | 76.5%-9.4pp | 68.1%-0.9pp |
| Annual return | 14.83% | 19.08%-4.2pp | 23.20%-8.4pp | 53.51%-38.7pp |
| Employer contribution / active EE | $434 | $2,307-81.2% | $2,977-85.4% | $2,552-83.0% |
| Participant deferral / active EE | $3,104 | $4,220-26.4% | $5,076-38.9% | $4,126-24.8% |
| Admin fee / account holder | $1,602 | $9,168-82.5% | $11,957-86.6% | $7,339-78.2% |