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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 | $55,631 | $77,574-28.3% | $108,753-48.8% | $86,983-36.0% |
| Participation rate | 46.4% | 62.3%-15.9pp | 71.1%-24.7pp | 69.5%-23.2pp |
| Annual return | 13.78% | 18.42%-4.6pp | 37.47%-23.7pp | 25.83%-12.0pp |
| Employer contribution / active EE | $253 | $1,611-84.3% | $2,427-89.6% | $2,584-90.2% |
| Participant deferral / active EE | $1,676 | $3,128-46.4% | $4,115-59.3% | $4,194-60.0% |
| Admin fee / account holder | $4,616 | $6,529-29.3% | $10,320-55.3% | $7,856-41.2% |