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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 | $61,651 | $76,834-19.8% | $108,359-43.1% | $87,485-29.5% |
| Participation rate | 52.9% | 61.7%-8.8pp | 70.1%-17.2pp | 68.9%-16.0pp |
| Annual return | 14.84% | 19.09%-4.3pp | 36.89%-22.1pp | 26.06%-11.2pp |
| Employer contribution / active EE | $191 | $1,556-87.7% | $2,399-92.0% | $2,596-92.6% |
| Participant deferral / active EE | $2,559 | $3,100-17.5% | $4,137-38.1% | $4,274-40.1% |
| Admin fee / account holder | $1,219 | $6,537-81.3% | $9,741-87.5% | $7,775-84.3% |