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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 | $40,620 | $93,598-56.6% | $135,974-70.1% | $75,173-46.0% |
| Participation rate | 31.9% | 75.2%-43.3pp | 81.9%-50.1pp | 67.2%-35.3pp |
| Annual return | 17.79% | 30.89%-13.1pp | 68.30%-50.5pp | 160.72%-142.9pp |
| Employer contribution / active EE | $778 | $3,538-78.0% | $4,859-84.0% | $2,671-70.9% |
| Participant deferral / active EE | $2,637 | $6,405-58.8% | $7,760-66.0% | $4,126-36.1% |
| Admin fee / account holder | $3,075 | $6,978-55.9% | $10,767-71.4% | $5,651-45.6% |