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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 | $75,315 | $60,349+24.8% | $74,184+1.5% | $62,881+19.8% |
| Participation rate | 45.2% | 72.7%-27.6pp | 76.6%-31.5pp | 69.3%-24.1pp |
| Annual return | 7.49% | 21.38%-13.9pp | 17.74%-10.2pp | 20.14%-12.7pp |
| Employer contribution / active EE | $142 | $1,680-91.5% | $2,370-94.0% | $2,281-93.8% |
| Participant deferral / active EE | $1,631 | $2,856-42.9% | $3,550-54.0% | $3,203-49.1% |
| Admin fee / account holder | $1,098 | $4,261-74.2% | $5,586-80.3% | $4,296-74.4% |