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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 | $130,727 | $110,137+18.7% | $161,149-18.9% | $82,637+58.2% |
| Participation rate | 24.1% | 72.4%-48.2pp | 78.8%-54.7pp | 68.1%-43.9pp |
| Annual return | 15.93% | 20.69%-4.8pp | 21.16%-5.2pp | 53.51%-37.6pp |
| Employer contribution / active EE | $310 | $2,856-89.2% | $4,360-92.9% | $2,552-87.9% |
| Participant deferral / active EE | $2,881 | $4,575-37.0% | $6,153-53.2% | $4,126-30.2% |
| Admin fee / account holder | $1,637 | $9,467-82.7% | $15,194-89.2% | $7,339-77.7% |