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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 | $72,492 | $112,729-35.7% | $98,716-26.6% | $137,256-47.2% |
| Participation rate | 53.8% | 74.2%-20.4pp | 69.3%-15.4pp | 80.0%-26.1pp |
| Annual return | 19.02% | 38.48%-19.5pp | 31.81%-12.8pp | 220.34%-201.3pp |
| Employer contribution / active EE | $355 | $2,725-87.0% | $2,279-84.4% | $4,156-91.4% |
| Participant deferral / active EE | $4,187 | $4,640-9.8% | $4,048+3.4% | $6,407-34.6% |
| Admin fee / account holder | $3,401 | $10,129-66.4% | $8,703-60.9% | $12,270-72.3% |