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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 | $81,723 | $72,269+13.1% | $101,271-19.3% | $79,852+2.3% |
| Participation rate | 30.5% | 68.5%-38.0pp | 75.8%-45.3pp | 69.6%-39.1pp |
| Annual return | 13.78% | 22.29%-8.5pp | 46.48%-32.7pp | 31.72%-17.9pp |
| Employer contribution / active EE | $292 | $2,692-89.1% | $3,660-92.0% | $2,471-88.2% |
| Participant deferral / active EE | $2,590 | $3,282-21.1% | $4,371-40.7% | $3,740-30.8% |
| Admin fee / account holder | $575 | $4,401-86.9% | $5,948-90.3% | $5,306-89.2% |