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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 | $68,530 | $101,795-32.7% | $165,100-58.5% | $80,959-15.4% |
| Participation rate | 56.0% | 71.8%-15.8pp | 78.6%-22.6pp | 67.7%-11.7pp |
| Annual return | 15.98% | 16.73%-0.7pp | 70.21%-54.2pp | 35.67%-19.7pp |
| Employer contribution / active EE | $756 | $2,954-74.4% | $4,348-82.6% | $2,757-72.6% |
| Participant deferral / active EE | $2,217 | $4,476-50.5% | $6,035-63.3% | $4,300-48.4% |
| Admin fee / account holder | $397 | $8,221-95.2% | $12,696-96.9% | $6,925-94.3% |