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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 | $58,689 | $51,207+14.6% | $70,565-16.8% | $75,177-21.9% |
| Participation rate | 18.5% | 61.0%-42.5pp | 68.4%-49.9pp | 67.2%-48.7pp |
| Annual return | 16.29% | 30.05%-13.8pp | 32.79%-16.5pp | 160.75%-144.5pp |
| Employer contribution / active EE | $221 | $1,826-87.9% | $2,976-92.6% | $2,671-91.7% |
| Participant deferral / active EE | $1,128 | $2,850-60.4% | $4,568-75.3% | $4,126-72.7% |
| Admin fee / account holder | $2,288 | $4,097-44.2% | $6,430-64.4% | $5,651-59.5% |