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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 | $100,008 | $114,712-12.8% | $173,730-42.4% | $87,485+14.3% |
| Participation rate | 16.7% | 73.0%-56.3pp | 79.6%-62.9pp | 68.9%-52.3pp |
| Annual return | 15.93% | 20.18%-4.3pp | 19.96%-4.0pp | 26.06%-10.1pp |
| Employer contribution / active EE | $460 | $2,904-84.2% | $4,577-90.0% | $2,596-82.3% |
| Participant deferral / active EE | $2,453 | $4,642-47.1% | $6,326-61.2% | $4,274-42.6% |
| Admin fee / account holder | $4,465 | $10,210-56.3% | $17,523-74.5% | $7,775-42.6% |