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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 | $81,803 | $69,977+16.9% | $108,582-24.7% | $62,881+30.1% |
| Participation rate | 52.5% | 72.9%-20.4pp | 79.6%-27.1pp | 69.3%-16.8pp |
| Annual return | 9.99% | 10.73%-0.7pp | -51.70%+61.7pp | 20.14%-10.2pp |
| Employer contribution / active EE | $286 | $2,135-86.6% | $3,758-92.4% | $2,281-87.5% |
| Participant deferral / active EE | $2,533 | $3,165-20.0% | $4,311-41.2% | $3,203-20.9% |
| Admin fee / account holder | $523 | $5,076-89.7% | $7,645-93.2% | $4,296-87.8% |