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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 | $53,247 | $78,015-31.7% | $178,505-70.2% | $80,959-34.2% |
| Participation rate | 58.5% | 65.7%-7.2pp | 77.1%-18.6pp | 67.7%-9.2pp |
| Annual return | 11.39% | 18.10%-6.7pp | 27.16%-15.8pp | 35.67%-24.3pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,615 | $4,406+4.7% | $6,280-26.5% | $4,300+7.3% |
| Admin fee / account holder | $789 | $7,160-89.0% | $10,428-92.4% | $6,925-88.6% |