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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 | $51,496 | $114,712-55.1% | $173,730-70.4% | $87,485-41.1% |
| Participation rate | 69.1% | 73.0%-3.9pp | 79.6%-10.5pp | 68.9%+0.2pp |
| Annual return | 13.51% | 20.18%-6.7pp | 19.96%-6.4pp | 26.06%-12.6pp |
| Employer contribution / active EE | $745 | $2,904-74.3% | $4,577-83.7% | $2,596-71.3% |
| Participant deferral / active EE | $2,168 | $4,642-53.3% | $6,326-65.7% | $4,274-49.3% |
| Admin fee / account holder | $5,548 | $10,210-45.7% | $17,523-68.3% | $7,775-28.6% |