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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 | $87,534 | $101,778-14.0% | $164,975-46.9% | $80,925+8.2% |
| Participation rate | 44.2% | 71.8%-27.6pp | 78.6%-34.4pp | 67.7%-23.4pp |
| Annual return | 10.96% | 16.73%-5.8pp | 70.12%-59.2pp | 35.65%-24.7pp |
| Employer contribution / active EE | $798 | $2,954-73.0% | $4,343-81.6% | $2,756-71.0% |
| Participant deferral / active EE | $4,169 | $4,477-6.9% | $6,033-30.9% | $4,299-3.0% |
| Admin fee / account holder | $11,574 | $8,221+40.8% | $12,688-8.8% | $6,940+66.8% |