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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 | $68,514 | $76,551-10.5% | $123,894-44.7% | $62,881+9.0% |
| Participation rate | 52.1% | 73.0%-20.9pp | 81.4%-29.3pp | 69.3%-17.2pp |
| Annual return | 6.01% | 18.68%-12.7pp | 47.52%-41.5pp | 20.14%-14.1pp |
| Employer contribution / active EE | $432 | $2,882-85.0% | $4,617-90.6% | $2,281-81.0% |
| Participant deferral / active EE | $4,543 | $4,840-6.1% | $5,984-24.1% | $3,203+41.8% |
| Admin fee / account holder | $2,830 | $4,826-41.4% | $8,357-66.1% | $4,296-34.1% |