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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 | $65,292 | $72,273-9.7% | $101,275-35.5% | $79,856-18.2% |
| Participation rate | 31.1% | 68.5%-37.3pp | 75.8%-44.7pp | 69.6%-38.5pp |
| Annual return | 18.85% | 22.30%-3.4pp | 46.48%-27.6pp | 31.71%-12.9pp |
| Employer contribution / active EE | $487 | $2,691-81.9% | $3,660-86.7% | $2,471-80.3% |
| Participant deferral / active EE | $2,618 | $3,282-20.2% | $4,371-40.1% | $3,741-30.0% |
| Admin fee / account holder | $2,889 | $4,401-34.4% | $5,948-51.4% | $5,306-45.6% |