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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 | $90,756 | $56,894+59.5% | $84,753+7.1% | $62,881+44.3% |
| Participation rate | 28.9% | 68.5%-39.7pp | 76.6%-47.7pp | 69.3%-40.4pp |
| Annual return | 7.19% | 6.30%+0.9pp | 22.78%-15.6pp | 20.14%-13.0pp |
| Employer contribution / active EE | $377 | $2,400-84.3% | $3,574-89.5% | $2,281-83.5% |
| Participant deferral / active EE | $1,413 | $2,709-47.9% | $3,712-61.9% | $3,203-55.9% |
| Admin fee / account holder | $4,098 | $3,581+14.4% | $5,333-23.2% | $4,296-4.6% |