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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 | $89,378 | $72,492+23.3% | $87,104+2.6% | $72,975+22.5% |
| Participation rate | 42.4% | 72.8%-30.4pp | 76.9%-34.4pp | 69.5%-27.1pp |
| Annual return | 24.81% | 24.46%+0.3pp | 28.19%-3.4pp | 81.01%-56.2pp |
| Employer contribution / active EE | $305 | $1,894-83.9% | $2,521-87.9% | $2,440-87.5% |
| Participant deferral / active EE | $1,519 | $3,270-53.5% | $4,048-62.5% | $3,608-57.9% |
| Admin fee / account holder | $642 | $5,055-87.3% | $7,491-91.4% | $5,124-87.5% |