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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 | $95,132 | $65,364+45.5% | $92,909+2.4% | $72,975+30.4% |
| Participation rate | 46.7% | 68.3%-21.6pp | 76.0%-29.3pp | 69.5%-22.8pp |
| Annual return | 20.98% | 42.11%-21.1pp | 109.44%-88.5pp | 81.01%-60.0pp |
| Employer contribution / active EE | $271 | $2,594-89.5% | $3,653-92.6% | $2,440-88.9% |
| Participant deferral / active EE | $1,598 | $3,128-48.9% | $4,238-62.3% | $3,608-55.7% |
| Admin fee / account holder | $572 | $4,251-86.6% | $5,795-90.1% | $5,124-88.8% |