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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 | $81,932 | $79,961+2.5% | $98,462-16.8% | $75,177+9.0% |
| Participation rate | 14.8% | 70.4%-55.6pp | 75.2%-60.4pp | 67.2%-52.5pp |
| Annual return | 17.28% | 19.75%-2.5pp | 21.17%-3.9pp | 160.75%-143.5pp |
| Employer contribution / active EE | $432 | $2,264-80.9% | $3,049-85.8% | $2,671-83.8% |
| Participant deferral / active EE | $2,119 | $3,753-43.5% | $4,738-55.3% | $4,126-48.6% |
| Admin fee / account holder | $959 | $6,842-86.0% | $8,875-89.2% | $5,651-83.0% |