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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 | $53,233 | $79,894-33.4% | $135,792-60.8% | $82,637-35.6% |
| Participation rate | 34.5% | 63.0%-28.5pp | 72.6%-38.1pp | 68.1%-33.6pp |
| Annual return | 14.11% | 17.20%-3.1pp | 25.96%-11.8pp | 53.51%-39.4pp |
| Employer contribution / active EE | $375 | $2,165-82.7% | $3,496-89.3% | $2,552-85.3% |
| Participant deferral / active EE | $1,833 | $3,194-42.6% | $4,759-61.5% | $4,126-55.6% |
| Admin fee / account holder | $6,120 | $6,434-4.9% | $12,266-50.1% | $7,339-16.6% |