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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 | $83,974 | $60,349+39.1% | $74,184+13.2% | $62,881+33.5% |
| Participation rate | 38.2% | 72.7%-34.5pp | 76.6%-38.4pp | 69.3%-31.1pp |
| Annual return | 26.04% | 21.38%+4.7pp | 17.74%+8.3pp | 20.14%+5.9pp |
| Employer contribution / active EE | $299 | $1,680-82.2% | $2,370-87.4% | $2,281-86.9% |
| Participant deferral / active EE | $1,463 | $2,856-48.8% | $3,550-58.8% | $3,203-54.3% |
| Admin fee / account holder | $4,496 | $4,261+5.5% | $5,586-19.5% | $4,296+4.7% |