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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 | $97,550-16.0% | $120,344-31.9% | $87,485-6.4% |
| Participation rate | 42.1% | 72.8%-30.7pp | 76.7%-34.6pp | 68.9%-26.8pp |
| Annual return | 15.20% | 18.41%-3.2pp | 20.30%-5.1pp | 26.06%-10.9pp |
| Employer contribution / active EE | $409 | $2,291-82.2% | $3,020-86.5% | $2,596-84.3% |
| Participant deferral / active EE | $3,621 | $4,230-14.4% | $5,135-29.5% | $4,274-15.3% |
| Admin fee / account holder | $16,251 | $9,543+70.3% | $12,742+27.5% | $7,775+109.0% |