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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 | $76,564+15.9% | $105,582-16.0% | $94,015-5.6% |
| Participation rate | 22.5% | 65.2%-42.7pp | 71.8%-49.3pp | 70.8%-48.3pp |
| Annual return | 16.01% | 20.69%-4.7pp | 18.61%-2.6pp | 17.84%-1.8pp |
| Employer contribution / active EE | $328 | $1,995-83.6% | $2,984-89.0% | $2,790-88.3% |
| Participant deferral / active EE | $1,631 | $3,320-50.9% | $4,353-62.5% | $4,249-61.6% |
| Admin fee / account holder | $2,652 | $7,129-62.8% | $12,856-79.4% | $8,951-70.4% |