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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 | $108,825-43.2% | $156,181-60.4% | $82,448-25.1% |
| Participation rate | 52.0% | 72.4%-20.4pp | 78.8%-26.8pp | 68.1%-16.1pp |
| Annual return | 12.96% | 20.59%-7.6pp | 64.87%-51.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $176 | $2,870-93.9% | $4,294-95.9% | $2,551-93.1% |
| Participant deferral / active EE | $2,432 | $4,577-46.9% | $6,132-60.3% | $4,139-41.2% |
| Admin fee / account holder | $1,304 | $9,341-86.0% | $14,586-91.1% | $7,234-82.0% |