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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 | $100,194-58.6% | $122,979-66.3% | $86,983-52.4% |
| Participation rate | 66.7% | 73.0%-6.3pp | 77.2%-10.5pp | 69.5%-2.9pp |
| Annual return | 13.96% | 16.47%-2.5pp | 20.12%-6.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $564 | $2,326-75.8% | $3,062-81.6% | $2,584-78.2% |
| Participant deferral / active EE | $3,306 | $4,133-20.0% | $5,003-33.9% | $4,194-21.2% |
| Admin fee / account holder | $811 | $10,148-92.0% | $12,864-93.7% | $7,856-89.7% |