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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 | $54,129 | $81,487-33.6% | $102,412-47.1% | $80,935-33.1% |
| Participation rate | 24.0% | 66.8%-42.8pp | 74.5%-50.5pp | 67.7%-43.7pp |
| Annual return | 15.52% | 25.60%-10.1pp | 24.94%-9.4pp | 35.66%-20.1pp |
| Employer contribution / active EE | $465 | $3,103-85.0% | $3,870-88.0% | $2,757-83.1% |
| Participant deferral / active EE | $1,826 | $3,871-52.8% | $5,060-63.9% | $4,299-57.5% |
| Admin fee / account holder | $1,819 | $6,717-72.9% | $8,388-78.3% | $6,924-73.7% |