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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 | $29,694 | $80,985-63.3% | $96,576-69.3% | $75,181-60.5% |
| Participation rate | 56.5% | 71.8%-15.3pp | 76.0%-19.5pp | 67.2%-10.7pp |
| Annual return | 13.60% | 27.05%-13.4pp | 25.87%-12.3pp | 160.69%-147.1pp |
| Employer contribution / active EE | $393 | $2,282-82.8% | $2,965-86.7% | $2,671-85.3% |
| Participant deferral / active EE | $2,975 | $3,929-24.3% | $4,851-38.7% | $4,126-27.9% |
| Admin fee / account holder | $2,181 | $6,719-67.5% | $8,253-73.6% | $5,650-61.4% |