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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 | $49,849 | $73,978-32.6% | $96,515-48.4% | $75,173-33.7% |
| Participation rate | 34.5% | 66.4%-31.9pp | 74.3%-39.9pp | 67.2%-32.7pp |
| Annual return | 19.48% | 26.72%-7.2pp | 35.73%-16.2pp | 160.72%-141.2pp |
| Employer contribution / active EE | $496 | $2,931-83.1% | $3,740-86.7% | $2,671-81.4% |
| Participant deferral / active EE | $1,855 | $3,660-49.3% | $4,880-62.0% | $4,126-55.1% |
| Admin fee / account holder | $7,813 | $5,219+49.7% | $6,735+16.0% | $5,651+38.3% |