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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 | $95,886 | $123,793-22.5% | $177,840-46.1% | $79,852+20.1% |
| Participation rate | 30.8% | 84.7%-53.9pp | 87.7%-56.9pp | 69.6%-38.9pp |
| Annual return | 13.45% | 22.82%-9.4pp | 48.32%-34.9pp | 31.72%-18.3pp |
| Employer contribution / active EE | $666 | $4,095-83.7% | $5,919-88.7% | $2,471-73.0% |
| Participant deferral / active EE | $4,002 | $5,956-32.8% | $7,714-48.1% | $3,740+7.0% |
| Admin fee / account holder | $1,890 | $7,243-73.9% | $12,431-84.8% | $5,306-64.4% |