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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 | $75,782 | $57,119+32.7% | $85,187-11.0% | $80,935-6.4% |
| Participation rate | 45.6% | 56.4%-10.8pp | 67.5%-21.9pp | 67.7%-22.1pp |
| Annual return | 12.35% | 21.70%-9.4pp | 66.67%-54.3pp | 35.66%-23.3pp |
| Employer contribution / active EE | $273 | $1,802-84.9% | $2,732-90.0% | $2,757-90.1% |
| Participant deferral / active EE | $2,809 | $3,115-9.8% | $4,525-37.9% | $4,299-34.7% |
| Admin fee / account holder | $2,667 | $4,990-46.6% | $6,162-56.7% | $6,924-61.5% |