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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 | $85,546 | $97,550-12.3% | $120,344-28.9% | $87,485-2.2% |
| Participation rate | 46.8% | 72.8%-26.1pp | 76.7%-29.9pp | 68.9%-22.2pp |
| Annual return | 13.93% | 18.41%-4.5pp | 20.30%-6.4pp | 26.06%-12.1pp |
| Employer contribution / active EE | $425 | $2,291-81.4% | $3,020-85.9% | $2,596-83.6% |
| Participant deferral / active EE | $2,725 | $4,230-35.6% | $5,135-46.9% | $4,274-36.2% |
| Admin fee / account holder | $7,833 | $9,543-17.9% | $12,742-38.5% | $7,775+0.7% |