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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 | $64,217 | $81,457-21.2% | $103,378-37.9% | $80,911-20.6% |
| Participation rate | 26.0% | 66.8%-40.8pp | 74.5%-48.5pp | 67.6%-41.6pp |
| Annual return | 13.59% | 25.58%-12.0pp | 24.91%-11.3pp | 35.63%-22.0pp |
| Employer contribution / active EE | $637 | $3,107-79.5% | $3,870-83.5% | $2,756-76.9% |
| Participant deferral / active EE | $1,908 | $3,871-50.7% | $5,058-62.3% | $4,297-55.6% |
| Admin fee / account holder | $595 | $6,717-91.1% | $8,401-92.9% | $6,935-91.4% |