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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 | $38,965 | $99,345-60.8% | $84,753-54.0% | $273,972-85.8% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | 4.96% | 22.93%-18.0pp | 22.78%-17.8pp | 41.46%-36.5pp |
| Employer contribution / active EE | $352 | $4,214-91.7% | $3,574-90.2% | $4,869-92.8% |
| Participant deferral / active EE | $2,257 | $4,270-47.1% | $3,712-39.2% | $5,287-57.3% |
| Admin fee / account holder | $4,805 | $6,645-27.7% | $5,333-9.9% | $10,133-52.6% |