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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 | $84,412 | $80,992+4.2% | $96,534-12.6% | $75,173+12.3% |
| Participation rate | 38.7% | 71.8%-33.1pp | 76.0%-37.3pp | 67.2%-28.5pp |
| Annual return | 15.85% | 27.05%-11.2pp | 25.88%-10.0pp | 160.72%-144.9pp |
| Employer contribution / active EE | $310 | $2,283-86.4% | $2,965-89.5% | $2,671-88.4% |
| Participant deferral / active EE | $2,413 | $3,929-38.6% | $4,851-50.3% | $4,126-41.5% |
| Admin fee / account holder | $4,688 | $6,717-30.2% | $8,253-43.2% | $5,651-17.0% |