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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 | $91,915 | $110,137-16.5% | $161,149-43.0% | $82,637+11.2% |
| Participation rate | 55.6% | 72.4%-16.8pp | 78.8%-23.3pp | 68.1%-12.5pp |
| Annual return | 18.01% | 20.69%-2.7pp | 21.16%-3.1pp | 53.51%-35.5pp |
| Employer contribution / active EE | $406 | $2,856-85.8% | $4,360-90.7% | $2,552-84.1% |
| Participant deferral / active EE | $2,061 | $4,575-54.9% | $6,153-66.5% | $4,126-50.0% |
| Admin fee / account holder | $402 | $9,467-95.8% | $15,194-97.4% | $7,339-94.5% |