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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 | $80,272 | $81,403-1.4% | $147,027-45.4% | $87,485-8.2% |
| Participation rate | 31.6% | 63.4%-31.9pp | 73.7%-42.2pp | 68.9%-37.4pp |
| Annual return | 13.25% | 16.51%-3.3pp | 20.23%-7.0pp | 26.06%-12.8pp |
| Employer contribution / active EE | $493 | $2,205-77.7% | $3,626-86.4% | $2,596-81.0% |
| Participant deferral / active EE | $2,356 | $3,315-28.9% | $4,933-52.2% | $4,274-44.9% |
| Admin fee / account holder | $2,736 | $6,755-59.5% | $12,223-77.6% | $7,775-64.8% |