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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 | $63,770 | $86,938-26.6% | $102,423-37.7% | $80,925-21.2% |
| Participation rate | 43.5% | 72.4%-28.9pp | 76.5%-33.0pp | 67.7%-24.2pp |
| Annual return | 10.97% | 18.89%-7.9pp | 29.42%-18.5pp | 35.65%-24.7pp |
| Employer contribution / active EE | $371 | $2,369-84.3% | $3,023-87.7% | $2,756-86.5% |
| Participant deferral / active EE | $2,486 | $4,120-39.7% | $5,054-50.8% | $4,299-42.2% |
| Admin fee / account holder | $7,779 | $8,053-3.4% | $9,455-17.7% | $6,940+12.1% |