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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 | $75,988 | $99,633-23.7% | $183,328-58.6% | $82,448-7.8% |
| Participation rate | 61.7% | 70.8%-9.1pp | 77.3%-15.6pp | 68.1%-6.4pp |
| Annual return | 15.39% | 17.84%-2.5pp | 29.67%-14.3pp | 41.64%-26.3pp |
| Employer contribution / active EE | $689 | $3,256-78.8% | $5,055-86.4% | $2,551-73.0% |
| Participant deferral / active EE | $2,953 | $4,938-40.2% | $6,795-56.5% | $4,139-28.7% |
| Admin fee / account holder | $10,202 | $9,934+2.7% | $21,427-52.4% | $7,234+41.0% |