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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 | $78,833 | $94,031-16.2% | $115,768-31.9% | $82,448-4.4% |
| Participation rate | 41.6% | 70.4%-28.9pp | 74.4%-32.8pp | 68.1%-26.5pp |
| Annual return | 13.72% | 20.61%-6.9pp | 100.46%-86.7pp | 41.64%-27.9pp |
| Employer contribution / active EE | $193 | $2,323-91.7% | $2,940-93.5% | $2,551-92.5% |
| Participant deferral / active EE | $2,793 | $3,972-29.7% | $4,917-43.2% | $4,139-32.5% |
| Admin fee / account holder | $8,578 | $10,249-16.3% | $12,439-31.0% | $7,234+18.6% |