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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 | $49,009 | $95,404-48.6% | $113,397-56.8% | $82,637-40.7% |
| Participation rate | 23.3% | 72.8%-49.5pp | 76.5%-53.2pp | 68.1%-44.7pp |
| Annual return | 14.32% | 19.08%-4.8pp | 23.20%-8.9pp | 53.51%-39.2pp |
| Employer contribution / active EE | $320 | $2,307-86.1% | $2,977-89.2% | $2,552-87.4% |
| Participant deferral / active EE | $1,955 | $4,220-53.7% | $5,076-61.5% | $4,126-52.6% |
| Admin fee / account holder | $8,330 | $9,168-9.1% | $11,957-30.3% | $7,339+13.5% |