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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 | $81,922 | $104,098-21.3% | $140,514-41.7% | $94,015-12.9% |
| Participation rate | 42.1% | 73.7%-31.6pp | 77.8%-35.7pp | 70.8%-28.7pp |
| Annual return | 15.20% | 15.14%+0.1pp | 14.36%+0.8pp | 17.84%-2.6pp |
| Employer contribution / active EE | $409 | $2,388-82.9% | $3,378-87.9% | $2,790-85.4% |
| Participant deferral / active EE | $3,621 | $4,033-10.2% | $4,919-26.4% | $4,249-14.8% |
| Admin fee / account holder | $16,251 | $10,439+55.7% | $13,697+18.6% | $8,951+81.6% |