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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 | $61,576 | $72,269-14.8% | $101,271-39.2% | $79,852-22.9% |
| Participation rate | 50.9% | 68.5%-17.6pp | 75.8%-24.9pp | 69.6%-18.8pp |
| Annual return | 18.39% | 22.29%-3.9pp | 46.48%-28.1pp | 31.72%-13.3pp |
| Employer contribution / active EE | $549 | $2,692-79.6% | $3,660-85.0% | $2,471-77.8% |
| Participant deferral / active EE | $3,425 | $3,282+4.4% | $4,371-21.6% | $3,740-8.4% |
| Admin fee / account holder | $1,506 | $4,401-65.8% | $5,948-74.7% | $5,306-71.6% |