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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 | $55,742 | $81,504-31.6% | $102,437-45.6% | $80,959-31.1% |
| Participation rate | 35.6% | 66.9%-31.3pp | 74.5%-39.0pp | 67.7%-32.1pp |
| Annual return | 20.40% | 25.60%-5.2pp | 24.95%-4.6pp | 35.67%-15.3pp |
| Employer contribution / active EE | $455 | $3,104-85.3% | $3,871-88.2% | $2,757-83.5% |
| Participant deferral / active EE | $1,797 | $3,871-53.6% | $5,060-64.5% | $4,300-58.2% |
| Admin fee / account holder | $1,397 | $6,719-79.2% | $8,388-83.3% | $6,925-79.8% |