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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 | $70,770 | $110,137-35.7% | $161,149-56.1% | $82,637-14.4% |
| Participation rate | 61.1% | 72.4%-11.2pp | 78.8%-17.7pp | 68.1%-6.9pp |
| Annual return | 19.07% | 20.69%-1.6pp | 21.16%-2.1pp | 53.51%-34.4pp |
| Employer contribution / active EE | $457 | $2,856-84.0% | $4,360-89.5% | $2,552-82.1% |
| Participant deferral / active EE | $2,493 | $4,575-45.5% | $6,153-59.5% | $4,126-39.6% |
| Admin fee / account holder | $2,696 | $9,467-71.5% | $15,194-82.3% | $7,339-63.3% |