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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 | $33,069 | $88,370-62.6% | $112,977-70.7% | $79,852-58.6% |
| Participation rate | 54.0% | 76.8%-22.8pp | 82.6%-28.6pp | 69.6%-15.6pp |
| Annual return | 23.38% | 23.16%+0.2pp | 24.24%-0.9pp | 31.72%-8.3pp |
| Employer contribution / active EE | $871 | $3,398-74.4% | $4,255-79.5% | $2,471-64.7% |
| Participant deferral / active EE | $1,828 | $4,536-59.7% | $5,836-68.7% | $3,740-51.1% |
| Admin fee / account holder | $459 | $5,750-92.0% | $6,294-92.7% | $5,306-91.3% |