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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 | $77,137 | $106,749-27.7% | $145,433-47.0% | $82,448-6.4% |
| Participation rate | 40.6% | 75.6%-35.0pp | 82.1%-41.5pp | 68.1%-27.4pp |
| Annual return | 15.07% | 27.59%-12.5pp | 66.58%-51.5pp | 41.64%-26.6pp |
| Employer contribution / active EE | $368 | $3,444-89.3% | $4,554-91.9% | $2,551-85.6% |
| Participant deferral / active EE | $2,504 | $6,519-61.6% | $7,897-68.3% | $4,139-39.5% |
| Admin fee / account holder | $4,576 | $8,390-45.5% | $13,129-65.1% | $7,234-36.7% |