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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 | $70,123 | $60,349+16.2% | $74,184-5.5% | $62,881+11.5% |
| Participation rate | 37.0% | 72.7%-35.7pp | 76.6%-39.6pp | 69.3%-32.3pp |
| Annual return | 8.15% | 21.38%-13.2pp | 17.74%-9.6pp | 20.14%-12.0pp |
| Employer contribution / active EE | $284 | $1,680-83.1% | $2,370-88.0% | $2,281-87.5% |
| Participant deferral / active EE | $1,407 | $2,856-50.8% | $3,550-60.4% | $3,203-56.1% |
| Admin fee / account holder | $4,545 | $4,261+6.7% | $5,586-18.6% | $4,296+5.8% |