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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 | $91,930 | $146,267-37.1% | $197,124-53.4% | $82,448+11.5% |
| Participation rate | 58.6% | 84.0%-25.4pp | 86.7%-28.1pp | 68.1%-9.4pp |
| Annual return | 21.60% | 29.61%-8.0pp | 44.34%-22.7pp | 41.64%-20.0pp |
| Employer contribution / active EE | $449 | $4,723-90.5% | $6,227-92.8% | $2,551-82.4% |
| Participant deferral / active EE | $4,142 | $7,035-41.1% | $9,135-54.7% | $4,139+0.1% |
| Admin fee / account holder | $2,416 | $14,422-83.2% | $16,298-85.2% | $7,234-66.6% |