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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 | $48,708 | $99,345-51.0% | $84,753-42.5% | $273,972-82.2% |
| Participation rate | 58.3% | 80.7%-22.4pp | 76.6%-18.3pp | 83.0%-24.7pp |
| Annual return | 12.39% | 22.93%-10.5pp | 22.78%-10.4pp | 41.46%-29.1pp |
| Employer contribution / active EE | $264 | $4,214-93.7% | $3,574-92.6% | $4,869-94.6% |
| Participant deferral / active EE | $2,261 | $4,270-47.0% | $3,712-39.1% | $5,287-57.2% |
| Admin fee / account holder | $3,663 | $6,645-44.9% | $5,333-31.3% | $10,133-63.8% |