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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 | $56,660 | $106,749-46.9% | $145,433-61.0% | $82,448-31.3% |
| Participation rate | 69.0% | 75.6%-6.7pp | 82.1%-13.2pp | 68.1%+0.9pp |
| Annual return | 16.17% | 27.59%-11.4pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $588 | $3,444-82.9% | $4,554-87.1% | $2,551-77.0% |
| Participant deferral / active EE | $4,221 | $6,519-35.2% | $7,897-46.6% | $4,139+2.0% |
| Admin fee / account holder | $7,487 | $8,390-10.8% | $13,129-43.0% | $7,234+3.5% |