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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 | $113,531 | $88,707+28.0% | $74,184+53.0% | $273,972-58.6% |
| Participation rate | 63.6% | 79.4%-15.8pp | 76.6%-13.0pp | 83.0%-19.4pp |
| Annual return | 6.13% | 11.94%-5.8pp | 17.74%-11.6pp | 41.46%-35.3pp |
| Employer contribution / active EE | $422 | $3,159-86.6% | $2,370-82.2% | $4,869-91.3% |
| Participant deferral / active EE | $2,026 | $4,212-51.9% | $3,550-42.9% | $5,287-61.7% |
| Admin fee / account holder | $7,904 | $8,717-9.3% | $5,586+41.5% | $10,133-22.0% |