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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 | $63,939 | $86,919-26.4% | $102,457-37.6% | $80,911-21.0% |
| Participation rate | 54.0% | 72.4%-18.4pp | 76.5%-22.5pp | 67.6%-13.7pp |
| Annual return | 12.48% | 18.90%-6.4pp | 29.41%-16.9pp | 35.63%-23.1pp |
| Employer contribution / active EE | $635 | $2,368-73.2% | $3,022-79.0% | $2,756-77.0% |
| Participant deferral / active EE | $2,453 | $4,119-40.4% | $5,054-51.5% | $4,297-42.9% |
| Admin fee / account holder | $1,597 | $8,049-80.2% | $9,451-83.1% | $6,935-77.0% |