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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 | $60,962 | $101,795-40.1% | $165,100-63.1% | $80,959-24.7% |
| Participation rate | 53.4% | 71.8%-18.4pp | 78.6%-25.2pp | 67.7%-14.2pp |
| Annual return | 10.67% | 16.73%-6.1pp | 70.21%-59.5pp | 35.67%-25.0pp |
| Employer contribution / active EE | $582 | $2,954-80.3% | $4,348-86.6% | $2,757-78.9% |
| Participant deferral / active EE | $3,158 | $4,476-29.4% | $6,035-47.7% | $4,300-26.6% |
| Admin fee / account holder | $4,378 | $8,221-46.8% | $12,696-65.5% | $6,925-36.8% |