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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 | $82,959 | $60,349+37.5% | $74,184+11.8% | $62,881+31.9% |
| Participation rate | 53.5% | 72.7%-19.2pp | 76.6%-23.1pp | 69.3%-15.8pp |
| Annual return | 5.77% | 21.38%-15.6pp | 17.74%-12.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $323 | $1,680-80.8% | $2,370-86.4% | $2,281-85.8% |
| Participant deferral / active EE | $2,495 | $2,856-12.6% | $3,550-29.7% | $3,203-22.1% |
| Admin fee / account holder | $2,146 | $4,261-49.6% | $5,586-61.6% | $4,296-50.0% |