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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 | $119,803 | $76,834+55.9% | $108,359+10.6% | $87,485+36.9% |
| Participation rate | 38.2% | 61.7%-23.5pp | 70.1%-31.9pp | 68.9%-30.7pp |
| Annual return | 12.52% | 19.09%-6.6pp | 36.89%-24.4pp | 26.06%-13.5pp |
| Employer contribution / active EE | $298 | $1,556-80.9% | $2,399-87.6% | $2,596-88.5% |
| Participant deferral / active EE | $2,321 | $3,100-25.1% | $4,137-43.9% | $4,274-45.7% |
| Admin fee / account holder | $14,595 | $6,537+123.3% | $9,741+49.8% | $7,775+87.7% |