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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 | $53,504 | $59,804-10.5% | $81,982-34.7% | $79,856-33.0% |
| Participation rate | 25.5% | 61.6%-36.1pp | 69.3%-43.7pp | 69.6%-44.1pp |
| Annual return | 16.70% | 17.56%-0.9pp | 41.31%-24.6pp | 31.71%-15.0pp |
| Employer contribution / active EE | $179 | $1,713-89.6% | $2,498-92.8% | $2,471-92.8% |
| Participant deferral / active EE | $1,166 | $2,695-56.7% | $3,722-68.7% | $3,741-68.8% |
| Admin fee / account holder | $5,940 | $4,288+38.5% | $5,665+4.8% | $5,306+11.9% |