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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 | $71,824 | $81,504-11.9% | $102,437-29.9% | $80,959-11.3% |
| Participation rate | 24.1% | 66.9%-42.8pp | 74.5%-50.4pp | 67.7%-43.6pp |
| Annual return | 25.27% | 25.60%-0.3pp | 24.95%+0.3pp | 35.67%-10.4pp |
| Employer contribution / active EE | $755 | $3,104-75.7% | $3,871-80.5% | $2,757-72.6% |
| Participant deferral / active EE | $1,599 | $3,871-58.7% | $5,060-68.4% | $4,300-62.8% |
| Admin fee / account holder | $4,370 | $6,719-35.0% | $8,388-47.9% | $6,925-36.9% |