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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 | $82,150 | $67,411+21.9% | $91,004-9.7% | $70,126+17.1% |
| Participation rate | 59.5% | 71.4%-11.8pp | 75.6%-16.1pp | 69.5%-10.0pp |
| Annual return | 15.22% | -40.16%+55.4pp | 4.60%+10.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $305 | $1,786-82.9% | $2,456-87.6% | $2,343-87.0% |
| Participant deferral / active EE | $1,587 | $2,823-43.8% | $3,548-55.3% | $3,332-52.4% |
| Admin fee / account holder | $2,317 | $4,236-45.3% | $5,417-57.2% | $4,645-50.1% |