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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 | $39,728 | $81,504-51.3% | $102,437-61.2% | $80,959-50.9% |
| Participation rate | 57.1% | 66.9%-9.7pp | 74.5%-17.4pp | 67.7%-10.5pp |
| Annual return | 13.85% | 25.60%-11.7pp | 24.95%-11.1pp | 35.67%-21.8pp |
| Employer contribution / active EE | $285 | $3,104-90.8% | $3,871-92.6% | $2,757-89.7% |
| Participant deferral / active EE | $4,698 | $3,871+21.4% | $5,060-7.2% | $4,300+9.2% |
| Admin fee / account holder | $5,742 | $6,719-14.6% | $8,388-31.5% | $6,925-17.1% |