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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 | $104,031 | $89,515+16.2% | $103,486+0.5% | $80,935+28.5% |
| Participation rate | 41.1% | 76.0%-34.9pp | 80.5%-39.5pp | 67.7%-26.6pp |
| Annual return | 15.10% | 22.82%-7.7pp | 23.93%-8.8pp | 35.66%-20.6pp |
| Employer contribution / active EE | $572 | $4,015-85.7% | $4,679-87.8% | $2,757-79.2% |
| Participant deferral / active EE | $2,519 | $5,463-53.9% | $6,628-62.0% | $4,299-41.4% |
| Admin fee / account holder | $13,872 | $6,527+112.5% | $9,354+48.3% | $6,924+100.3% |