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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 | $83,583 | $62,672+33.4% | $185,117-54.8% | $70,126+19.2% |
| Participation rate | 36.8% | 63.8%-26.9pp | 77.3%-40.4pp | 69.5%-32.7pp |
| Annual return | 17.63% | 40.79%-23.2pp | 40.50%-22.9pp | 73.15%-55.5pp |
| Employer contribution / active EE | $229 | $1,753-86.9% | $4,182-94.5% | $2,343-90.2% |
| Participant deferral / active EE | $2,574 | $3,272-21.3% | $5,045-49.0% | $3,332-22.7% |
| Admin fee / account holder | $1,508 | $3,932-61.7% | $8,159-81.5% | $4,645-67.5% |