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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 | $64,366 | $72,273-10.9% | $101,275-36.4% | $79,856-19.4% |
| Participation rate | 42.6% | 68.5%-25.9pp | 75.8%-33.3pp | 69.6%-27.1pp |
| Annual return | 23.10% | 22.30%+0.8pp | 46.48%-23.4pp | 31.71%-8.6pp |
| Employer contribution / active EE | $360 | $2,691-86.6% | $3,660-90.2% | $2,471-85.4% |
| Participant deferral / active EE | $2,963 | $3,282-9.7% | $4,371-32.2% | $3,741-20.8% |
| Admin fee / account holder | $35,066 | $4,401+696.7% | $5,948+489.5% | $5,306+560.8% |