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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 | $73,487 | $94,031-21.8% | $115,768-36.5% | $82,448-10.9% |
| Participation rate | 39.2% | 70.4%-31.2pp | 74.4%-35.2pp | 68.1%-28.8pp |
| Annual return | 21.99% | 20.61%+1.4pp | 100.46%-78.5pp | 41.64%-19.6pp |
| Employer contribution / active EE | $638 | $2,323-72.6% | $2,940-78.3% | $2,551-75.0% |
| Participant deferral / active EE | $2,145 | $3,972-46.0% | $4,917-56.4% | $4,139-48.2% |
| Admin fee / account holder | $9,229 | $10,249-10.0% | $12,439-25.8% | $7,234+27.6% |