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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 | $44,280 | $77,472-42.8% | $100,415-55.9% | $80,959-45.3% |
| Participation rate | 53.3% | 76.9%-23.6pp | 81.5%-28.2pp | 67.7%-14.3pp |
| Annual return | 12.40% | 37.26%-24.9pp | 49.47%-37.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,950 | $6,818+31.3% | $8,091+10.6% | $4,300+108.1% |
| Admin fee / account holder | $4,310 | $5,885-26.8% | $7,906-45.5% | $6,925-37.8% |