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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 | $125,120 | $78,015+60.4% | $178,505-29.9% | $80,959+54.5% |
| Participation rate | 26.5% | 65.7%-39.2pp | 77.1%-50.6pp | 67.7%-41.2pp |
| Annual return | 15.72% | 18.10%-2.4pp | 27.16%-11.4pp | 35.67%-19.9pp |
| Employer contribution / active EE | $181 | $2,281-92.1% | $3,955-95.4% | $2,757-93.4% |
| Participant deferral / active EE | $2,188 | $4,406-50.3% | $6,280-65.2% | $4,300-49.1% |
| Admin fee / account holder | $890 | $7,160-87.6% | $10,428-91.5% | $6,925-87.1% |