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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 | $73,899 | $56,484+30.8% | $169,452-56.4% | $64,173+15.2% |
| Participation rate | 44.1% | 64.5%-20.4pp | 77.8%-33.7pp | 69.6%-25.5pp |
| Annual return | 11.39% | -1.55%+12.9pp | 1.83%+9.6pp | 7.63%+3.8pp |
| Employer contribution / active EE | $252 | $1,832-86.2% | $4,157-93.9% | $2,381-89.4% |
| Participant deferral / active EE | $1,823 | $3,448-47.1% | $5,277-65.5% | $3,470-47.5% |
| Admin fee / account holder | $2,246 | $4,174-46.2% | $9,110-75.4% | $4,887-54.1% |