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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 | $77,808 | $57,140+36.2% | $85,240-8.7% | $80,959-3.9% |
| Participation rate | 38.3% | 56.4%-18.1pp | 67.5%-29.3pp | 67.7%-29.4pp |
| Annual return | 13.60% | 21.71%-8.1pp | 66.75%-53.2pp | 35.67%-22.1pp |
| Employer contribution / active EE | $251 | $1,802-86.1% | $2,735-90.8% | $2,757-90.9% |
| Participant deferral / active EE | $1,575 | $3,115-49.4% | $4,527-65.2% | $4,300-63.4% |
| Admin fee / account holder | $5,816 | $4,992+16.5% | $6,165-5.7% | $6,925-16.0% |