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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 | $89,198 | $61,660+44.7% | $80,022+11.5% | $64,173+39.0% |
| Participation rate | 61.5% | 71.7%-10.2pp | 75.8%-14.3pp | 69.6%-8.0pp |
| Annual return | -5.66% | -0.33%-5.3pp | 11.22%-16.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $335 | $1,810-81.5% | $2,468-86.4% | $2,381-85.9% |
| Participant deferral / active EE | $1,649 | $2,968-44.4% | $3,686-55.3% | $3,470-52.5% |
| Admin fee / account holder | $9,197 | $5,417+69.8% | $6,521+41.0% | $4,887+88.2% |