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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 | $75,960 | $106,749-28.8% | $145,433-47.8% | $82,448-7.9% |
| Participation rate | 21.1% | 75.6%-54.6pp | 82.1%-61.1pp | 68.1%-47.0pp |
| Annual return | 17.74% | 27.59%-9.8pp | 66.58%-48.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $460 | $3,444-86.7% | $4,554-89.9% | $2,551-82.0% |
| Participant deferral / active EE | $2,492 | $6,519-61.8% | $7,897-68.4% | $4,139-39.8% |
| Admin fee / account holder | $909 | $8,390-89.2% | $13,129-93.1% | $7,234-87.4% |