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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 | $75,300 | $55,932+34.6% | $76,735-1.9% | $67,986+10.8% |
| Participation rate | 32.7% | 50.8%-18.1pp | 69.5%-36.8pp | 57.2%-24.5pp |
| Annual return | 19.58% | 23.10%-3.5pp | 29.77%-10.2pp | 31.67%-12.1pp |
| Employer contribution / active EE | $96 | $1,487-93.6% | $2,454-96.1% | $2,019-95.3% |
| Participant deferral / active EE | $1,802 | $2,558-29.5% | $4,088-55.9% | $3,358-46.3% |
| Admin fee / account holder | $9,617 | $4,907+96.0% | $7,189+33.8% | $3,203+200.2% |