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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 | $45,032 | $76,551-41.2% | $123,894-63.7% | $62,881-28.4% |
| Participation rate | 57.1% | 73.0%-15.8pp | 81.4%-24.3pp | 69.3%-12.2pp |
| Annual return | 7.31% | 18.68%-11.4pp | 47.52%-40.2pp | 20.14%-12.8pp |
| Employer contribution / active EE | $381 | $2,882-86.8% | $4,617-91.7% | $2,281-83.3% |
| Participant deferral / active EE | $2,820 | $4,840-41.7% | $5,984-52.9% | $3,203-12.0% |
| Admin fee / account holder | $1,590 | $4,826-67.1% | $8,357-81.0% | $4,296-63.0% |