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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 | $41,441 | $95,453-56.6% | $112,040-63.0% | $82,448-49.7% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 13.96% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $564 | $2,318-75.7% | $2,954-80.9% | $2,551-77.9% |
| Participant deferral / active EE | $3,306 | $4,224-21.7% | $5,098-35.2% | $4,139-20.1% |
| Admin fee / account holder | $811 | $9,013-91.0% | $12,098-93.3% | $7,234-88.8% |