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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 | $59,462 | $101,795-41.6% | $165,100-64.0% | $80,959-26.6% |
| Participation rate | 38.8% | 71.8%-33.0pp | 78.6%-39.8pp | 67.7%-28.9pp |
| Annual return | 21.22% | 16.73%+4.5pp | 70.21%-49.0pp | 35.67%-14.5pp |
| Employer contribution / active EE | $625 | $2,954-78.8% | $4,348-85.6% | $2,757-77.3% |
| Participant deferral / active EE | $2,259 | $4,476-49.5% | $6,035-62.6% | $4,300-47.5% |
| Admin fee / account holder | $606 | $8,221-92.6% | $12,696-95.2% | $6,925-91.3% |