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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 | $95,453-14.2% | $112,040-26.9% | $82,448-0.6% |
| Participation rate | 42.1% | 72.8%-30.7pp | 76.5%-34.4pp | 68.1%-26.0pp |
| Annual return | 15.20% | 23.92%-8.7pp | 24.52%-9.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $409 | $2,318-82.4% | $2,954-86.2% | $2,551-84.0% |
| Participant deferral / active EE | $3,621 | $4,224-14.3% | $5,098-29.0% | $4,139-12.5% |
| Admin fee / account holder | $16,251 | $9,013+80.3% | $12,098+34.3% | $7,234+124.6% |