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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 | $149,338 | $177,156-15.7% | $147,027+1.6% | $154,746-3.5% |
| Participation rate | 42.1% | 79.4%-37.2pp | 73.7%-31.6pp | 80.7%-38.6pp |
| Annual return | 15.39% | 21.94%-6.5pp | 20.23%-4.8pp | 172.34%-156.9pp |
| Employer contribution / active EE | $852 | $4,336-80.4% | $3,626-76.5% | $4,379-80.5% |
| Participant deferral / active EE | $2,813 | $5,797-51.5% | $4,933-43.0% | $6,730-58.2% |
| Admin fee / account holder | $4,816 | $14,904-67.7% | $12,223-60.6% | $14,365-66.5% |