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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 | $72,607+25.4% | $90,259+0.9% | $87,485+4.1% |
| Participation rate | 29.2% | 64.8%-35.6pp | 70.7%-41.5pp | 68.9%-39.7pp |
| Annual return | 12.78% | 18.59%-5.8pp | 18.88%-6.1pp | 26.06%-13.3pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,211 | $3,055-60.4% | $3,827-68.3% | $4,274-71.7% |
| Admin fee / account holder | $547 | $5,947-90.8% | $7,267-92.5% | $7,775-93.0% |