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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 | $70,531 | $115,931-39.2% | $185,441-62.0% | $86,983-18.9% |
| Participation rate | 50.6% | 73.6%-23.0pp | 80.3%-29.6pp | 69.5%-18.9pp |
| Annual return | 13.78% | 21.47%-7.7pp | 20.16%-6.4pp | 25.83%-12.1pp |
| Employer contribution / active EE | $407 | $2,937-86.1% | $4,672-91.3% | $2,584-84.3% |
| Participant deferral / active EE | $2,241 | $4,551-50.8% | $6,152-63.6% | $4,194-46.6% |
| Admin fee / account holder | $1,908 | $10,687-82.1% | $17,890-89.3% | $7,856-75.7% |