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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 | $88,714 | $69,444+27.7% | $92,985-4.6% | $87,485+1.4% |
| Participation rate | 22.5% | 63.3%-40.8pp | 69.5%-47.0pp | 68.9%-46.4pp |
| Annual return | 16.01% | 23.85%-7.8pp | 27.99%-12.0pp | 26.06%-10.0pp |
| Employer contribution / active EE | $328 | $1,917-82.9% | $2,662-87.7% | $2,596-87.4% |
| Participant deferral / active EE | $1,631 | $3,364-51.5% | $4,377-62.7% | $4,274-61.8% |
| Admin fee / account holder | $2,652 | $6,137-56.8% | $9,463-72.0% | $7,775-65.9% |