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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 | $54,082 | $81,504-33.6% | $102,437-47.2% | $80,959-33.2% |
| Participation rate | 23.7% | 66.9%-43.2pp | 74.5%-50.8pp | 67.7%-44.0pp |
| Annual return | 13.47% | 25.60%-12.1pp | 24.95%-11.5pp | 35.67%-22.2pp |
| Employer contribution / active EE | $622 | $3,104-79.9% | $3,871-83.9% | $2,757-77.4% |
| Participant deferral / active EE | $1,773 | $3,871-54.2% | $5,060-65.0% | $4,300-58.8% |
| Admin fee / account holder | $1,766 | $6,719-73.7% | $8,388-78.9% | $6,925-74.5% |