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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 | $114,658 | $86,938+31.9% | $102,423+11.9% | $80,925+41.7% |
| Participation rate | 37.5% | 72.4%-34.9pp | 76.5%-39.0pp | 67.7%-30.2pp |
| Annual return | 12.17% | 18.89%-6.7pp | 29.42%-17.3pp | 35.65%-23.5pp |
| Employer contribution / active EE | $360 | $2,369-84.8% | $3,023-88.1% | $2,756-86.9% |
| Participant deferral / active EE | $3,593 | $4,120-12.8% | $5,054-28.9% | $4,299-16.4% |
| Admin fee / account holder | $7,009 | $8,053-13.0% | $9,455-25.9% | $6,940+1.0% |