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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 | $78,888 | $95,453-17.4% | $112,040-29.6% | $82,448-4.3% |
| Participation rate | 40.7% | 72.8%-32.0pp | 76.5%-35.8pp | 68.1%-27.3pp |
| Annual return | 12.87% | 23.92%-11.1pp | 24.52%-11.6pp | 41.64%-28.8pp |
| Employer contribution / active EE | $124 | $2,318-94.6% | $2,954-95.8% | $2,551-95.1% |
| Participant deferral / active EE | $2,509 | $4,224-40.6% | $5,098-50.8% | $4,139-39.4% |
| Admin fee / account holder | $6,126 | $9,013-32.0% | $12,098-49.4% | $7,234-15.3% |