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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 | $94,448 | $82,879+14.0% | $96,576-2.2% | $67,986+38.9% |
| Participation rate | 44.3% | 75.2%-30.9pp | 81.4%-37.2pp | 57.2%-12.9pp |
| Annual return | 16.92% | 36.90%-20.0pp | 38.47%-21.5pp | 31.67%-14.7pp |
| Employer contribution / active EE | $274 | $2,727-90.0% | $3,553-92.3% | $2,019-86.4% |
| Participant deferral / active EE | $2,784 | $6,976-60.1% | $7,956-65.0% | $3,358-17.1% |
| Admin fee / account holder | $8,932 | $2,783+220.9% | $11,381-21.5% | $3,203+178.9% |