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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 | $62,420 | $114,712-45.6% | $173,730-64.1% | $87,485-28.7% |
| Participation rate | 65.5% | 73.0%-7.5pp | 79.6%-14.1pp | 68.9%-3.4pp |
| Annual return | 14.06% | 20.18%-6.1pp | 19.96%-5.9pp | 26.06%-12.0pp |
| Employer contribution / active EE | $179 | $2,904-93.8% | $4,577-96.1% | $2,596-93.1% |
| Participant deferral / active EE | $3,470 | $4,642-25.2% | $6,326-45.1% | $4,274-18.8% |
| Admin fee / account holder | $2,395 | $10,210-76.5% | $17,523-86.3% | $7,775-69.2% |