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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 | $80,855-0.7% | $153,416-47.7% | $86,983-7.7% |
| Participation rate | 31.6% | 64.1%-32.6pp | 74.3%-42.8pp | 69.5%-38.0pp |
| Annual return | 13.25% | 16.18%-2.9pp | 17.84%-4.6pp | 25.83%-12.6pp |
| Employer contribution / active EE | $493 | $2,308-78.7% | $3,764-86.9% | $2,584-80.9% |
| Participant deferral / active EE | $2,356 | $3,333-29.3% | $4,723-50.1% | $4,194-43.8% |
| Admin fee / account holder | $2,736 | $6,908-60.4% | $13,095-79.1% | $7,856-65.2% |