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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 | $74,692 | $93,055-19.7% | $153,741-51.4% | $80,959-7.7% |
| Participation rate | 53.2% | 69.0%-15.8pp | 77.1%-23.9pp | 67.7%-14.5pp |
| Annual return | 13.18% | 19.97%-6.8pp | 15.71%-2.5pp | 35.67%-22.5pp |
| Employer contribution / active EE | $579 | $3,504-83.5% | $5,042-88.5% | $2,757-79.0% |
| Participant deferral / active EE | $2,991 | $5,172-42.2% | $6,757-55.7% | $4,300-30.4% |
| Admin fee / account holder | $4,253 | $8,881-52.1% | $12,749-66.6% | $6,925-38.6% |