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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 | $60,998 | $93,617-34.8% | $135,982-55.1% | $75,177-18.9% |
| Participation rate | 58.6% | 75.2%-16.6pp | 81.9%-23.3pp | 67.2%-8.6pp |
| Annual return | 18.34% | 30.89%-12.5pp | 68.32%-50.0pp | 160.75%-142.4pp |
| Employer contribution / active EE | $744 | $3,538-79.0% | $4,859-84.7% | $2,671-72.1% |
| Participant deferral / active EE | $4,302 | $6,406-32.8% | $7,760-44.6% | $4,126+4.3% |
| Admin fee / account holder | $1,496 | $6,980-78.6% | $10,767-86.1% | $5,651-73.5% |