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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 | $61,780 | $110,137-43.9% | $161,149-61.7% | $82,637-25.2% |
| Participation rate | 52.0% | 72.4%-20.4pp | 78.8%-26.8pp | 68.1%-16.1pp |
| Annual return | 12.96% | 20.69%-7.7pp | 21.16%-8.2pp | 53.51%-40.5pp |
| Employer contribution / active EE | $176 | $2,856-93.8% | $4,360-96.0% | $2,552-93.1% |
| Participant deferral / active EE | $2,432 | $4,575-46.8% | $6,153-60.5% | $4,126-41.1% |
| Admin fee / account holder | $1,304 | $9,467-86.2% | $15,194-91.4% | $7,339-82.2% |