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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 | $39,319 | $110,137-64.3% | $161,149-75.6% | $82,637-52.4% |
| Participation rate | 58.3% | 72.4%-14.0pp | 78.8%-20.5pp | 68.1%-9.7pp |
| Annual return | 15.09% | 20.69%-5.6pp | 21.16%-6.1pp | 53.51%-38.4pp |
| Employer contribution / active EE | $327 | $2,856-88.5% | $4,360-92.5% | $2,552-87.2% |
| Participant deferral / active EE | $2,777 | $4,575-39.3% | $6,153-54.9% | $4,126-32.7% |
| Admin fee / account holder | $761 | $9,467-92.0% | $15,194-95.0% | $7,339-89.6% |