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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 | $94,507 | $75,541+25.1% | $152,093-37.9% | $82,637+14.4% |
| Participation rate | 29.7% | 66.5%-36.8pp | 77.8%-48.0pp | 68.1%-38.3pp |
| Annual return | 14.74% | 32.56%-17.8pp | 66.36%-51.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $24 | $2,622-99.1% | $4,175-99.4% | $2,552-99.0% |
| Participant deferral / active EE | $1,660 | $3,206-48.2% | $5,451-69.5% | $4,126-59.8% |
| Admin fee / account holder | $2,888 | $6,405-54.9% | $14,497-80.1% | $7,339-60.7% |