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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 | $63,229 | $76,669-17.5% | $96,520-34.5% | $71,495-11.6% |
| Participation rate | 34.8% | 66.6%-31.8pp | 74.3%-39.5pp | 67.9%-33.1pp |
| Annual return | 16.60% | 48.29%-31.7pp | 35.72%-19.1pp | 28.85%-12.3pp |
| Employer contribution / active EE | $113 | $3,031-96.3% | $3,739-97.0% | $2,589-95.6% |
| Participant deferral / active EE | $1,961 | $3,771-48.0% | $4,879-59.8% | $4,291-54.3% |
| Admin fee / account holder | $1,858 | $2,028-8.4% | $6,733-72.4% | $1,588+17.0% |