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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 | $79,867 | $72,486+10.2% | $87,103-8.3% | $72,976+9.4% |
| Participation rate | 20.0% | 72.8%-52.8pp | 76.9%-56.9pp | 69.5%-49.5pp |
| Annual return | 22.53% | 24.46%-1.9pp | 28.19%-5.7pp | 81.02%-58.5pp |
| Employer contribution / active EE | $369 | $1,894-80.5% | $2,521-85.4% | $2,440-84.9% |
| Participant deferral / active EE | $1,575 | $3,270-51.8% | $4,049-61.1% | $3,608-56.3% |
| Admin fee / account holder | $1,308 | $5,055-74.1% | $7,491-82.5% | $5,124-74.5% |