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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 | $60,150 | $96,289-37.5% | $213,469-71.8% | $87,485-31.2% |
| Participation rate | 44.4% | 69.6%-25.1pp | 77.1%-32.7pp | 68.9%-24.5pp |
| Annual return | 16.41% | 17.78%-1.4pp | 20.58%-4.2pp | 26.06%-9.6pp |
| Employer contribution / active EE | $794 | $3,035-73.9% | $4,994-84.1% | $2,596-69.4% |
| Participant deferral / active EE | $3,878 | $4,750-18.3% | $6,841-43.3% | $4,274-9.2% |
| Admin fee / account holder | $4,730 | $9,670-51.1% | $27,141-82.6% | $7,775-39.2% |