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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 | $91,030 | $67,894+34.1% | $89,340+1.9% | $82,448+10.4% |
| Participation rate | 29.2% | 64.0%-34.8pp | 69.6%-40.3pp | 68.1%-38.8pp |
| Annual return | 12.78% | 19.21%-6.4pp | 20.57%-7.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,211 | $3,072-60.6% | $3,823-68.3% | $4,139-70.7% |
| Admin fee / account holder | $547 | $5,723-90.4% | $6,704-91.8% | $7,234-92.4% |