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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 | $59,064 | $75,541-21.8% | $152,093-61.2% | $82,637-28.5% |
| Participation rate | 45.6% | 66.5%-20.9pp | 77.8%-32.2pp | 68.1%-22.4pp |
| Annual return | 15.33% | 32.56%-17.2pp | 66.36%-51.0pp | 53.51%-38.2pp |
| Employer contribution / active EE | $172 | $2,622-93.4% | $4,175-95.9% | $2,552-93.3% |
| Participant deferral / active EE | $1,840 | $3,206-42.6% | $5,451-66.2% | $4,126-55.4% |
| Admin fee / account holder | $2,242 | $6,405-65.0% | $14,497-84.5% | $7,339-69.5% |