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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 | $85,191 | $75,541+12.8% | $152,093-44.0% | $82,637+3.1% |
| Participation rate | 14.3% | 66.5%-52.3pp | 77.8%-63.5pp | 68.1%-53.8pp |
| Annual return | 13.84% | 32.56%-18.7pp | 66.36%-52.5pp | 53.51%-39.7pp |
| Employer contribution / active EE | $303 | $2,622-88.5% | $4,175-92.7% | $2,552-88.1% |
| Participant deferral / active EE | $974 | $3,206-69.6% | $5,451-82.1% | $4,126-76.4% |
| Admin fee / account holder | $2,961 | $6,405-53.8% | $14,497-79.6% | $7,339-59.6% |