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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 | $78,212 | $63,082+24.0% | $81,726-4.3% | $79,856-2.1% |
| Participation rate | 41.9% | 67.5%-25.6pp | 72.0%-30.1pp | 69.6%-27.7pp |
| Annual return | 17.52% | 22.66%-5.1pp | 29.49%-12.0pp | 31.71%-14.2pp |
| Employer contribution / active EE | $225 | $1,795-87.4% | $4,311-94.8% | $2,471-90.9% |
| Participant deferral / active EE | $1,896 | $2,780-31.8% | $7,108-73.3% | $3,741-49.3% |
| Admin fee / account holder | $5,104 | $4,428+15.3% | $5,160-1.1% | $5,306-3.8% |